Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX XXXX XXXX XXXX XXXX XXXXXXXX for Retaliatory Reporting of Business Account on Personal Credit Profile Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX for the improper and retaliatory reporting of a XXXX XXXX XXXX Credit Card ( ending in XXXX ) on my personal credit profile. This complaint also involves the actions of the credit reporting agenciesExperian, XXXX, and XXXX have allowed this inaccurate reporting to continue, causing significant harm to my personal credit. 

Background I was added as an authorized user to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a company I no longer work for. I did not personally apply for this card, nor did I accept any financial responsibility for it. I made multiple attempts to correct this issue. During my previous complaint to XXXXXXXX XXXX XXXX XXXX XXXXXXXX, I was assured that the account would remain under the business profile and would not impact my personal credit. 

Despite these assurances, I was shocked to discover that XXXXXXXX XXXX XXXX XXXX XXXXXXXX began reporting the account on my personal credit profile. The account was misreported as an individual credit card, resulting in a XXXX drop in my credit score and significant financial hardship. 

After filing my complaint, I found that XXXX escalated the issue by double-reporting the account on both personal and business credit profiles. The account was reclassified from a business card to an individual account, further damaging my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX 's Response XXXX responded to my complaint with the following points : Responsibility Claim : XXXX claimed I agreed to be financially responsible for the business credit card, citing the Pricing and Terms for my XXXX personal credit card ( ending in XXXX ). However, this card is unrelated to the business account, and I have never agreed to assume responsibility for any business debt. 

Late Payments : XXXX stated that my late payments on the business account ( for XXXX and XX/XX/2024 ) caused changes to my credit report. Since I am not financially liable for this account, I can not be held accountable for any late payments. 

Refusal to Correct Reporting : XXXX acknowledged the inaccurate reporting on my personal credit file but refused to correct or remove it, stating that it must reflect the true status of the account. This contradicts their prior assurances that the account would not appear on my personal credit report. 

Retaliation and Discrimination Allegations : XXXX also claimed that I alleged discrimination, which I did not assert. However, their retaliatory actionsdouble-reporting and reclassifying the accountappear to be a response to my initial complaint, which is causing further harm to my credit. 

Employment Impact : I was also released from my contract with XXXX XXXX XXXX after raising concerns about the hardship caused by the late payment on their XXXX XXXX credit card, which negatively affected my personal credit. I was told I was never a personal guarantor. 

Violations of the Fair Credit Reporting Act ( FCRA ) XXXX  's actions violate several provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Failure to correct or remove inaccurate, incomplete, or unverifiable information from my personal credit report.

15 U.S.C. 1681s-2 ( a ) : Furnishing inaccurate information to the credit reporting agencies by reporting a business account on my personal credit file when I am not financially responsible for it.

15 U.S.C. 1681e ( b ) : XXXX failure to ensure the accuracy of the information it reports to the credit bureaus.

XXXX  retaliatory actions of double-reporting and reclassifying the account from business to individual, particularly after I filed my original complaint, constitute unfair practices designed to cause further harm to my credit. These actions may also violate consumer protection laws. 

Requests Made to XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have made the following requests to XXXX, which have not been fully addressed : Immediate removal of my name as an authorized user from the business account. 
Immediate cessation of reporting this business account on my personal credit profile with Experian, XXXX, and XXXX. 
A copy of the original signed agreement in which I agreed to assume responsibility for this account. 
Written confirmation that this account will no longer affect my personal credit. 
Phone record verification of any authorization I may have given for XXXX to report to my personal credit file. 
Requested Action I respectfully request that the Consumer Financial Protection Bureau take the following actions : Investigate the retaliatory actions taken by XXXX XXXX, including the double-reporting and reclassification of the business credit account. 
Ensure that XXXX XXXX  immediately removes the business account from my personal credit file and ceases reporting this account under my name. 
Obtain evidence from XXXX of any agreement with my signature or authorization that suggests I am personally liable for this account. 
Ensure that accurate reporting is restored, particularly regarding the separation of business and personal credit information. 
Review XXXX  practices related to the handling of consumer complaints and retaliatory actions following such complaints. 
Supporting Documentation I am prepared to provide the following supporting documentation : Credit reports showing the inaccurate reporting of the business account on my personal profile. 
Communication records from XXXX XXXX  confirming my status as an authorized user and their failure to remove the account. 
Documentation showing the negative impact on my credit score due to this reporting. 
Thank you for your attention to this matter. I trust the CFPB will take the necessary steps to hold XXXX XXXX  accountable for these unfair practices and ensure that my personal credit profile is corrected. 

Sincerely, XXXX XXXX