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Debt is not yours. I recently reviewed a copy of my consumer credit report and identified a closed account being reported by [ Debt Collector Name ] that originated from a former creditor that no longer operates independently. I am disputing the continued access to and use of my consumer credit report by this company. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a company may only access or furnish information to a consumer report for a permissible purpose. Given that this account is closed, not actively serviced, and associated with a former creditor, [ Debt Collector Name ] has not demonstrated a valid permissible purpose to : Access my consumer report Continue furnishing this account Maintain this tradeline without verified authority or documentation I have not been