The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.Please have the creditor provide the validation documents to the BBB as well as certified mail to me. Per my records I have always paid these accounts on time and never paid late. I respectfully request to be provided proof of these alleged late payments, and payment history. This formal complaint that you are reporting inaccurate and incomplete credit information. The reporting of this account as a debt is inaccurate.Account Number: ****************Īccount #**************** I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.The *** clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By definition, The *** Clearly says a Cancelled debt or Charge off is Income. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishers have a duty to provide accurate information. Your inaccurate reporting has also damaged my livelihood.According to 15 U.S. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. According to 609(a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.I demand that this item be removed from my credit report immediately as it is furnishing inaccurate and incorrect information to the consumer reporting agencies. Your company's actions have not only violated my right to privacy but also the permissible purpose of providing accurate information to consumer reporting agencies. 809(b) of the Fair Debt Collection Practices Act.As a consumer, I have a right to privacy and protection from inaccurate reporting on my credit report. Furthermore, you have furnished this alleged debt on my consumer report and failed to validate the claim pursuant to Sec. Despite multiple attempts to seek proof of validation, your company has failed to provide any evidence regarding a debt that does not belong to me. I am writing to file a complaint regarding the validation of a debt on my consumer credit report.
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