Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to Credit Collection Services.
I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation.
A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs.
Documentation showing that Credit Collection Services currently owns the debt, including any purchase or assignment contract.
The name and address of the original creditor.
Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ).
Additionally, to verify the accuracy and completeness of the information associated with this account, I have requested : The Date of First Delinquency ( DOFD ), as recorded by the original creditor.
The charge-off date of the account.
The assignment or purchase date, including documentation of the transfer to Credit Collection Services.
The full data set maintained for the account ( status, balance, date opened, dispute codes ).
A description of the investigation procedure used, if this account has previously been disputed.
This complaint ensures the request is formally submitted through a regulatory channel, with full documentation.
Please ensure that all 10 items requested in the attached letter are addressed completely and directly.
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