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Investigation took more than 30 days. HI I XXXX XXXX HOPE THIS COMPLAINT FINDS YOU WELL BECAUSE IM NOT DOING WELL I AM STRESSED OUT I am verifying that THESE NEGATIVE ACCOUNTS ON MY CREDIT REPORT ARE NOT MINE I DON'T KNOW WHERE THEY CAME FROM there is no need to ask for validation. RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and THESE NEGATIVE ACCOUNTS account to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLI