Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally contesting the following information shown on my consumer report : XXXX XXXX XXXX XXXX XXXX has stated that accounts open on XX/XX/2022, were Closed for Cause. All accounts were closed on Friday, XX/XX/2022. All actions on my part were handled in a manner consistent with bank policy. The relevant information stated in the consumer report is false. 

XXXX XXXX XXXX XXXX XXXX has stated that accounts open on Wednesday, XX/XX/2022, were Closed for Cause. All accounts were closed on Friday, XX/XX/2022. Any and all actions on my part were handled in a manner consistent with bank policy. The relevant information stated in the consumer report is false. 

XXXX ) The apparent incident that precipitated the closure of all accounts allegedly took place on Monday, XX/XX/2022, and was deemed Checking Account Fraud. 

a. The following actions constitute checking account fraud : Transacting or attempting to transact, with an Account in a fraudulent manner, including, but not limited to, the passing of forged, altered, closed account, or stolen checks, or kiting ( including drawing on : ( a ) a counterfeit or insufficient check deposit ; ( b ) an empty ATM envelope deposit ; ( c ) non-negotiable items ; and/or ( d ) willful misrepresentation of the transaction amount. None of the aforementioned actions took place and XXXX XXXX XXXX has never clarified what constituted the action done on my part that is considered fraud. The relevant information stated in the consumer report is false. 

b. On numerous occasions XXXX XXXX XXXX  has stated accounts were closed due to business decisions and not for fraud or other cause on my part. 

c. The alleged incident of fraud took place the following Monday the accounts were closed, therefore it can not be the reason for account closure. The fraud is unsubstantiated. 

The following events are what occurred and can be corroborated by emails received from XXXX XXXX XXXX : - On XX/XX/2022, I applied for a XXXX XXXX XXXX XXXX XXXX XXXX  checking account ( Account Number : XXXX ), and a XXXX XXXX XXXX XXXX Savings account ( Account Number : XXXX ). To open the accounts, a minimum of {$100.00} per account was required and was transferred directly from my bank account with XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XXXX, NM. 

- On XX/XX/2022, XXXX XXXX XXXX  ( referred to as XXXX XXXX XXXX approved my application and opened the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX ( Account # : XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX ( Account # : XXXX ). 

- On the morning of Wednesday, XX/XX/2022, I made 2 transfers of {$5000.00} ( total of {$10000.00} ) to my XXXX savings account. This was not done in a manner inconsistent with bank policy. All the money can be directly traced to my bank account with XXXX. This was done so that the XXXX XXXX  monthly service fee would be waived. According to The XXXX XXXX XXXX XXXX XXXX XXXX  Clarity Statement the following statement is true : You can avoid the Monthly Maintenance Fee when you maintain combined balances of {$10000.00} or more each statement cycle. 

- On the evening of Wednesday, XX/XX/2022, my domestic partner and I visited the XXXX located at XXXX XXXX XXXX XXXX, XXXX Tx, XXXX and opened a joint a XXXX XXXX XXXX XXXX XXXX XXXX checking ( Account # XXXX ), and a XXXX XXXX XXXX XXXX Savings ( Account # XXXX ). An employee of XXXX assisted us with this and assured us all actions were consistent with bank policy. 

- On XX/XX/2022, all of the aforementioned accounts were closed by XXXX. My partner and I called XXXX. XXXX insisted our accounts were closed due to business decisions and could not further elaborate. 

- On XX/XX/2022, upon receiving my consumer report from Early Warning, I called XXXX to confirm that my accounts were closed due to business decisions and not due to fraud. They assured me this was the case and that there was no indication that their system indicated any fraud was committed. I spoke with numerous employees over the phone including XXXX XXXX, XXXX in the risk department, her supervisor, XXXX, XXXX  supervisor, XXXX, and XXXX  supervisor, XXXX. Although I can not provide further information regarding the call, they all restated the same reason for my account closure as a business decision. 

After filing a dispute with Early Warning, they responded and said everything was accurate based on an investigation conducted by XXXX. I called Early Warning to obtain the reasoning for their decision and they stated that they did not conduct the investigation and simply took XXXX 's word for it and did not obtain poof or documentation. I then called XXXX and they, again, stated that they could not provide any information to me about the status of my account and restated that my accounts were closed for business decisions. 

I obtained another consumer report from XXXX that also had inaccurate information and stated my credit score was XXXX, directly affected by information in my consumer report. Prior to doing business with XXXX, my credit score was XXXX.