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Reporting company used your report improperly. This letter serves as my final notice regarding your continued noncompliance with federal credit reporting laws. I previously disputed the accuracy and validity of several items on my credit report, yet your agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my prior notifications, I am still seeing unresolved issues. Violations : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). Communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). Harassment under 15 USC 1692d ( Section 806 ). Inaccurate reporting of accounts on my credit report, which remain after your investigation