Hello CFPB, I am sending you this dispute as attempt to resolve an alleged debt matter with a collection agency by the name of Commonwealth Financial Systems also known as Northeast Credit & Collect. I review my credit reports on a monthly basis 's to ensure accuracy. In XXXX I reviewed my credit report and discovered XXXX accounts reporting from Commonwealth Financial System, The accounts are reporting as follows. 
1. Commonwealth Financial, Account Number XXXX, Balance {$450.00} 2. Commonwealth Financial, Account Number XXXX, Balance {$74.00} 3. Commonwealth Financial, Account Number XXXX, Balance {$990.00} On XXXX XXXX, 2015 I sent a request for validation to Commonwealth Financial Systems requesting for validation. XXXX has passed and I have not received any communication from the collection agency regarding my claim since I discovered the collection items on my credit report and did not receive any initial notices from them regarding any debt being owed. On XXXX XXXX, 2015 I sent a XXXX request for validation via registered mail to Commonwealth Financial Systems which was delivered on XXXX/XXXX/2015 at XXXX XXXX tracking number provided by USPS is XXXX. According to the Fair Debt Collection Practice Act 809 ( b ) the collection agency must provide validation of the debt that they are claiming to be owed. Not only has Commonwealth Financial Systems Failed to notify me of the debt owed. My request for validation has been ignored and they continue to collect on the debt before providing validation by continuing to report this debt to the credit bureaus [ 15 USC 1692g ] 809 ( a ). 
Commonwealth Financial Systems had sufficient amount of time to provide me the validation request. I am requesting that all three of the above accounts be removed from my credit reports with XXXX, XXXX and XXXX XXXX, Failure to remove the accounts I will consult with my attorney for who specializes in suing debt collectors for FDCPA violations. 

Sincerely XXXX XXXX 
