Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX Last XXXX of social XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Whom It May Concern : I was in the process of applying for new employment XXXX housing XXXX it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and XXXX my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability XXXX obtain employment due XXXX this inaccurate information showing. I was advised by a legal friend of mine that under XXXX US CXXXXXXXX XXXXa section XXXX ( k ) ( b ) ( XXXX  ) can be considered an adverse action. 
Therefore I want the following accounts XXXX  be updated XXXX the correct amount, date, status, open XXXX closed date, last date of activity XXXX time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : XXXX. 15 U.S. CXXXXE XXXX - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S.C. XXXX ( b ) Duty XXXX  Ensure Maximum Accuracy XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S.C. XXXXXXXX  ( b ) Duty XXXX  Ensure Maximum Accuracy XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. XXXX Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE INFORMATION XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S.C. 1XXXX ( b ) Duty to Ensure Maximum Accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE INFORMATION XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXXB - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXXB - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXXB - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXXB - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE XXXXB - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXXB - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXXB - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXXB - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date XXXX XXXX : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. XXXX5 U.SXXXX CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX ORIGINAL Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.SXXXX CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX J XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. XXXX5 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS COPPER STATE CREDIT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS ONEMAIN Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.SXXXX CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX SERVICE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXL Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX FINANC XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX CXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX CXXXX WOR Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CXXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. XXXX5 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. XXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. XXXX5 U.SXXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.SXXXX CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX CARD Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXXB - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX CARD Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXXG - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S.C. XXXX ( b ) Duty to Ensure Maximum Accuracy XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXXG - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXXG - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXXG - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX XXXX. XXXX Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE INFORMATION XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. XXXX Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE INFORMATION XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CXXXXE XXXX - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 






XXXX. 15 U.S.C. XXXX ( b ) Duty to Ensure Maximum Accuracy XXXX XXXX  Account Number : XXXX XXXX. XXXX Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE INFORMATION XXXX XXXX XXXX  Account Number : XXXX XXXX. 15 U.S. CXXXXE XXXX - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Delete this account. 
Oh by the way I hope you understand that the FCRA states in the section below Adverse Action Notice : I also want XXXX bring XXXX  your attention that the continued reporting of this unvalidated debt has had a significant adverse impact on my life. I was recently denied credit when applying for a job, as the employer conducts a credit check as part of their hiring process. The adverse information you reported contributed directly XXXX my disqualification. This constitutes an adverse action under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXm. 
The denial of employment due XXXX this unverified and potentially inaccurate information is not only distressing but may also be unlawful if the debt is not properly validated. As a result, I am requesting that you immediately investigate this matter XXXX cease all collection activities until you can provide proper validation. 
Relevant Case Law Supporting My Request : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) This case affirms the requirement that a debt collector must provide validation of the debt upon request XXXX must cease collection efforts until proper validation is provided. 
XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) In this case, the court ruled that if a debt collector fails XXXX validate a debt as requested, they can not continue XXXX pursue collection activities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) This case highlights the necessity for a debt collector to provide accurate and complete information about the debt in question when validation is requested. 
Failure to comply with my request may constitute a violation of both the FDCPA and FCRA, and I reserve the right to pursue legal remedies to protect my rights. Please respond to this request within XXXX days, as required by law. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX ( g ), I am formally requesting validation of this debt. 
According XXXX the FDCPA, I am entitled to request and obtain verification of any alleged debt that a debt collector claims I owe. Specifically, I request : Proof that your company is legally entitled XXXX collect this debt. This includes any contracts, agreements, or assignments that show that you have the authority XXXX collect on this debt. 
Detailed accounting of the alleged debt, including a breakdown of the amount you claim I owe and how it was calculated. 
Proof that I am the correct debtor. This includes any signed agreements or contracts that bear my signature and that demonstrate my legal obligation XXXX pay this debt. 
If you claim these items are 100  % accurate and verifiable, then I need you XXXX provide me with copies of any documentation associated with these items bearing my signature, as I believe none exists. When you find no signed agreement bearing my signature, I need you XXXX remove these items from my file. 
Please note Im sending this letter certified XXXX protect my rights. Ive researched online that you make a habit XXXX not comply with the above listed FCRA statute. If you choose XXXX  ignore my request XXXX block these items, I will be referring this matter XXXX my attorney for further action. Please do not make this a litigious matter... 
Lastly, you have XXXX days XXXX complete this investigation, as per Fair Credit Reporting Act Section XXXX ( a ) ( XXXX ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation