Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX Florida XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX phone : XXXX Subject : Formal Complaint Regarding Account Handling and Identity Verification Process Dear XXXX  XXXX Customer Service, I am writing to formally express my concerns regarding the handling of my account and the identity verification process I have recently experienced with XXXX XXXXXXXX XXXX 
Initially, I was pleased to receive an offer for a credit card from your institution. However, after I activated the card, I encountered an issue where my account was blocked due to a discrepancy with my date of birth. I promptly provided the requested documentation, confirming my date of birth as accurate. 
Subsequently, I was informed by your agents that I needed to supply additional information, including XXXX utility bills and a XXXX form for identity verification. This repeated request for sensitive information raises significant concerns for me regarding your practices. It feels as though I am being subjected to unnecessary scrutiny, which resembles the behavior of fraudulent entities rather than a reputable financial institution. 
I have other credit cards and have never experienced such invasive requests for information. It is disconcerting that after initially validating my identity, I am continually asked for more personal details. The accumulation of these demands feels excessive and raises questions about your policies and practices regarding customer privacy and data security. 
I would like to understand the rationale behind this process and seek resolution for the undue stress and inconvenience caused. I am also considering taking action if this matter is not addressed satisfactorily. I have recorded phone calls with your agents that confirm my concerns about the lack of transparency regarding your identity verification procedures. 
I hope to resolve this matter amicably and look forward to your prompt response. Additionally, I would like to bring to your attention the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ), which are designed to protect consumers from unfair practices in the credit industry. These laws require that credit institutions handle personal information with care and prohibit discriminatory practices during the credit application and verification processes. I believe that XXXX XXXX XXXX  handling of my account and the repeated invasive requests for sensitive information may be in violation of these federal regulations. I urge you to review these laws and consider their implications on your current practices. 
Sincerely, XXXX. XXXX XXXX Furthermore, I have recently discovered that XXXX XXXX XXXX  has reported my account to XXXX and TransUnion in a manner that I believe to be unjust. This negative reporting is based on the aforementioned issues with my account, which I contend were improperly handled. Such actions can have a detrimental effect on my credit score and overall financial standing. I request that you investigate this matter promptly and rectify any inaccuracies that may have been reported to these credit bureaus.