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Notification didn't disclose it was an attempt to collect a debt. I am filing this complaint regarding XXXX XXXX XXXX XXXX XXXXXXXX XXXX reporting of a charged-off account. Prior to charge-off, I provided notice and documentation of medical hardship and loss of employment and requested assistance. No reasonable payment plan or hardship accommodation was offered before the account was charged off and reported negatively. This conduct violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and the duty to conduct a reasonable investigation under 1681s-2 ( b ). Further, proceeding with charge-off and negative reporting without hardship review constitutes an unfair servicing practice under the Consumer Financial Protection Act ( 12 U.S.C. 5531, 5536 ). I am requesting CFPB investigation and r