THIS notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Therefore, I would like to request an arbitration hearing to resolve this issue. As per, " The Fair Debt Collection Practices Act : The Consumer Protection Act was amended in XX/XX/XXXX to include the Fair Debt Collection Practices Act ( Public Law 104-208, 110 Stat. 3009 [ XX/XX/XXXX ] ). Congress passed the law to address the abusive, deceptive, and unfair debt collection practices used by many debt collectors. " In response to CORRESPONDENCE RECEIVED FROM : XXXX : Dated : XX/XX/XXXX ( Enclosed ) First and far most, I would like to certainly make one thing perfectly clear. This is a request for Validation of Inaccurate / and erroneous or fraudulent charges. Upon your review of my credit reports, from ( XXXX/XXXX/ TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting that I owe both creditors a debt. I am in dispute of this inaccurate billing error, AND that I would like to get this inaccurate erroneous /or fraudulent account issue resolved immediately. I never had a XXXX with XXXX XXXX XXXX. Technically, there is apparently a Contract Billing error, and /or fraudulent billing practices. This Fair Credit Report Act Violation has impacted every aspect of XXXX XXXX consumer rights in the marketplace. It is evident that this company is engaged in illegal billing tactics. How can a company could be allowed to do this. Consumer rights and consumer protection law provides a way for individuals to fight back against abusive business practices. These laws are designed to hold sellers of goods and services accountable when they seek to profit by taking advantage of a consumer 's lack of information or bargaining power. Some conduct addressed by consumer rights laws is simply unfair, while other conduct can be described as outright fraud. Consumer rights laws exist at the federal and state level. They are enforced by government agencies, offices of attorneys general, and through individual and class action lawsuits filed by victims. 
Clearly, this inaccurate account contains Illegal billing practices/ as well as hidden fees, and unauthorized charges. Creditors charging consumers twice for the same service or product are unacceptable. I have yet to receive a detailed summary of the DEMINISHED INACCURATE ACCOUNT. Consumer rights laws also protect the public from false or misleading advertising. For example, automobile dealers have been known to advertise a vehicle at a reduced price in order to draw shoppers to the dealership. Once they arrive, however, that vehicle or sales price is no longer available. The dealer will then pressure shoppers into purchasing a vehicle on less favorable terms. In addition to these " bait and switch '' advertising tactics, consumer rights laws address things like warranty misrepresentation, defective products, forced arbitration clauses, identity theft, and other types of harassment and fraud.