Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation of Inaccuracies and Potential Fraud on My Credit Report ( XXXXXXXX XXXX XXXX Account XXXX XXXX ) Dear Consumer Financial Protection Bureau , I am writing to formally request your assistance in resolving inaccuracies and potential unauthorized activities present on my credit report, which includes details from an account with XXXXXXXX XXXX XXXX ( account number ending in XXXX ), as reported in an excerpt dated around XX/XX/XXXX. I have identified a significant negative item that requires immediate investigation and correction, as it may stem from fraudulent activity linked to data breaches I have experienced. 

Recently, I became aware that I am a victim of a data breach in which my personal informationincluding my Social Security number, phone number, email, and addresswas stolen. I was also impacted by the widely publicized Experian and XXXX data breaches. Due to these incidents, I am deeply concerned that fraudulent accounts or transactions may have been reported on my credit file without my knowledge or consent. As a result, I request that all information on this report be thoroughly verified to confirm it belongs to me, supported by actual evidence such as signed agreements, applications, or other verifiable documentation. The report is incomplete, lacking a file number or full bureau identification, but includes accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Below is the primary negative item I have identified that warrants investigation : # # # Negative Item and Potential Inaccuracy 1. XXXX XXXX XXXX ( Closed, Account # XXXX ) ** - **Status** : " Account charged off. {$930.00} written off. {$1400.00} past due as of XX/XX/XXXX. '' - **Balance** : {$1400.00} ( updated XX/XX/XXXX ). 
- **Past Due Amount** : {$1400.00}. 
- **Credit Limit** : {$1000.00} ( 144.1 % utilization ). 
- **Last Payment Date** : XX/XX/XXXX. 
- **Status Updated** : XX/XX/XXXX. 
- **Comments** : " 31 potentially negative months, '' suggesting a history of delinquencies. 
- This accounts charge-off and substantial past-due amount raise serious doubts about its legitimacy. I do not recall authorizing charges or missing payments leading to this status, especially given the data breaches. I request verification with a signed credit agreement and complete payment history to confirm its validity. The lack of a detailed payment history in this report further complicates my ability to assess its accuracy. 

# # # Legal Basis for My Request I am aware of my rights under the following statutes, which the credit bureau and furnishers must uphold : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681s-2** : Requires credit reporting agencies and furnishers to ensure accuracy, with penalties up to {$4000.00} per violation for non-compliance. I request the bureau ( likely XXXX or Experian ) investigate this item within 30 days ( 1681i ) and remove unverifiable data. 
2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692** : Prohibits false reporting by debt collectors, with potential damages up to {$1000.00} plus punitive awards. If this debt involves collections, I demand validation ( 1692g ). 

As a data breach victim, I invoke my FCRA rights to : - Request a fraud alert or security freeze ( 1681c-1 ). 
- Obtain free file disclosures to monitor fraud ( 1681g ). 
- Block fraudulent information with an identity theft report ( 1681c-2 ). 

# # # Requested Actions I respectfully request that the CFPB : 1. Identify the credit bureau responsible for this report ( likely XXXX or Experian ) and compel it to investigate and substantiate all items, particularly the XXXX account, with verifiable evidence ( e.g., signed agreements, payment records ). 
2. Order removal of the XXXX charge-off if it can not be verified or is found to be fraudulent. 
3. Ensure XXXXXXXX XXXX XXXX provides proof of my liability or corrects its reporting if inaccurate. 

Thank you for your attention to this urgent matter. I can be reached at XXXX or XXXX for any clarification or correspondence. I look forward to your prompt assistance in protecting my credit profile and resolving these issues. 

Sincerely, XXXX XXXX