Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Reporting of Late Payments and Account Closure Violations Complaint Against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Natu
re of the Complaint I am filing this complaint regarding the unauthorized and inaccurate reporting of late payments and the improper closure of my account by XXXX XXXX XXXXXXXX XXXX as well as the subsequent reporting of this information by Experian and XXXX. Despite sending a letter to XXXX XXXX on XX/XX/2024, requesting clarification and compliance with applicable laws, I have not received any response. 
The actions of these entities violate several provisions of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 ), as outlined below : Issues with XXXX XXXX XXXX. 
XXXX. Improper Account Closure : On XX/XX/2024, I received a letter from XXXX XXXX XXXXXXXX. stating my accounts ending in XXXX, XXXX, and XXXX was closed due to " account behavior not consistent with XXXX XXXX  expectations. '' The explanation provided is vague and fails to meet the specificity requirements mandated by Regulation B of the ECOA ( 12 CFR 1002.9 ). 
No prior notice or opportunity to address alleged issues was given before the account closure, violating transparency and fairness standards under the XXXX. 

XXXX. Failure to Respond to Consumer Inquiry : On XX/XX/2024, I sent a letter to XXXX XXXXXXXX requesting : A specific reason for the account closure, including any applicable adverse action codes ( XXXX to XXXX ). 
A GAAP-certified accounting of any alleged late payments.

Reconsideration of the account closure and compliance with federal regulations, including the ECOA and FCRA. 
To date, XXXX XXXX has failed to respond, demonstrating a lack of accountability and transparency. 

XXXX. Inaccurate Reporting of Late Payments : After the closure, XXXX  XXXX inaccurately reported late payments on my account to Experian and XXXX. These late payments were never communicated to me, nor was I given an opportunity to resolve them. 
This reporting violates the FCRA ( 15 U.S.C. 1681s-2 ), which prohibits furnishers of information from reporting inaccurate or incomplete information. 

XXXX. Failure to Provide Full Accounting : Despite my requests for an itemized and XXXX accounting of any alleged late payments, XXXX  XXXX has not provided this information, further violating transparency obligations. 

Issues with Experian and XXXX XXXX. Failure to Ensure Accuracy : Both Experian and XXXX have included inaccurate late payments from XXXX  XXXX on my credit report without verifying the validity of this information. 
This violates their obligations under 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure maximum accuracy of the information they include in consumer reports. 

XXXX. Failure to Investigate Disputes : I filed disputes with Experian and XXXX regarding these inaccuracies, but both agencies failed to conduct a thorough investigation as required under 15 U.S.C. 1681i ( a ).

No corrective actions were taken despite the lack of evidence supporting the reported late payments.

Harm Caused The inaccurate reporting of late payments and the improper closure of my account have caused significant harm, including : A reduction in my credit score.

Difficulty in obtaining credit, which has impacted my financial stability. 
Emotional distress due to the lack of transparency and unfair treatment by these entities. 

Relief Sought I respectfully request that the CFPB take the following actions : XXXX. XXXX XXXX XXXX XXXX. : Investigate the improper closure of my account and failure to provide a legally compliant explanation under the XXXX. 
Investigate XXXX XXXX  failure to respond to my letter dated XX/XX/2024. 
Require XXXX XXXX to provide a GAAP-certified accounting of any alleged late payments, signed under penalty of perjury. 
XXXX XXXX XXXX to correct any inaccurate information reported to credit bureaus. 

2. Against Experian and XXXX : Investigate their failure to verify the accuracy of the late payments reported by XXXX XXXX. 
Require the removal of all inaccurate information from my credit reports. 
Ensure compliance with their obligations under 15 U.S.C. 1681e ( b ) and 1681i ( a ).

3. General : Provide compensation for damages caused by the inaccurate reporting and account closure.

Supporting Documentation I will provide the following documentation upon request : The letters from XXXX XXXX dated XX/XX/2024. 
My XX/XX/2024 letter to XXXX XXXX and proof of mailing. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX