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Reporting company used your report improperly. To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies and unauthorized accounts on my credit report section, which I believe is inaccurate. Accounts : ( XXXX XXXX XXXX ) XX/XX/XXXX, ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX. I am requesting your assistance in investigating and correcting this information.I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt or delete these negative accounts off the consumer credit report.According to the Fair Credit Reporting Act ( FCRA ), I have the