VyStar Credit Union Formal Dispute, Request for Validation & Immediate Remedy Jacksonville FL

To Whom It May Concern, This is a formal notice to dispute the alleged debt associated with VyStar Credit Union account number 720042****, which appears on my credit report as a charged-off account with a balance of $1,002. I assert that I am not responsible for this debt. The overdraft and subsequent closure of the account resulted from an internal fraudulent transaction for which I have repeatedly requested documentation and account statements—three times—with no resolution. https://www.cohenandmalad.com/wp-content/uploads/2019/09/VyStar-Complaint.pdf Legal Grounds & Consumer Rights Under the Fair Credit Reporting Act (FCRA) 15 U.S.C. § 1681, the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692, and the Consumer Financial Protection Act, I have a right to: Dispute inaccurate or unverified information. Request full validation and documentation of the alleged debt. Receive accurate credit reporting and timely responses to disputes. Validation Demands I formally request the following: A complete and itemized statement of account activity from account opening to closure. Copy of all disputed transactions and internal investigation findings. All communications and account notes pertaining to this balance. Proof that I authorized any transaction that caused the overdraft. A written explanation for the denial of my previous three requests. Notice of Harm Due to this false reporting: My creditworthiness has been damaged, resulting in loss of financial opportunities. I have suffered emotional distress and reputational harm. My ability to secure housing and employment has been impacted. Supporting Evidence Other consumers have reported similar issues with VyStar Credit Union, including internal malfunctions and errors. The Consumer Financial Protection Bureau (CFPB) penalized VyStar for locking consumers out of their accounts and mishandling funds (CFPB Action). Legal & Financial Remedy Sought Immediate removal of the inaccurate tradeline from all credit reports. Written confirmation that I do not owe this balance. Refund of the $1,002 balance generated by the internal error. Compensation for damages under 15 U.S.C. § 1681n and § 1692k, including: Actual damages Statutory damages Punitive damages for willful noncompliance Attorney’s fees, if necessary Final Notice You have 15 days from receipt of this letter to validate the debt and issue a full response. Failure to do so will result in complaints filed with the CFPB, FTC, Ohio Attorney General, and civil legal action. Respectfully, Quintin Jalani Pilgrim Jr Phone: (216) 618-8957 Email: infronamiworld@gmail.com Akron, OH 44306