Product: Credit reporting or other personal consumer reports

CFPB Dispute Submission : Unauthorized Account Reporting Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX Email : XXXX Phone : ( XXXX ) XXXX Disputed Account Information : Account Number : XXXX Credit Card Issuer : XXXX XXXX  Credit Bureaus Involved : TransUnion , XXXX, XXXX Type of Account : Revolving Credit ( Credit Card ) Account Status : Closed Nature of Dispute and Request for Removal : Account Ownership : I have never opened or authorized the creation of this account, nor am I aware of its existence. This account has been erroneously attributed to me.

Request : Immediate removal of this account from my credit report due to it being unauthorized and inaccurate.

Credit Bureau Code : Authorized User : I have never been an authorized user on this account. Any reference to me being associated as such is false.

Request : Remove this account from my credit report as I am not affiliated with it.

Account Status : Closed : The account is reported as closed, yet I have no knowledge or ownership of this account, making this information irrelevant and inaccurate.

Request : Remove this erroneous account from my credit file immediately.

High Credit and Balance Discrepancies : TransUnion reports a high credit of {$2000.00}, while XXXX reports {$800.00}. Both of these amounts are unrecognized and do not pertain to me.

Request : Remove this account due to inaccurate reporting of balances and unauthorized account ownership.

Credit Limit Discrepancies : TransUnion lists a credit limit of {$800.00}, while XXXX lists {$0.00}. I have no connection to this account, and both figures are inaccurate.

Request : Remove this account from my credit report.

Date of Last Payment Discrepancies : TransUnion reports a last payment date of XX/XX/XXXX, while XXXX reports XX/XX/XXXX. Since I have never made any payments on this account, these dates are false.

Request : Remove this account due to inaccuracies in payment reporting.

Payment Status : Late 120 Days : The account is incorrectly reported as being late for 120 days. I am not responsible for any payments on this account as it is not mine.

Request : Immediate removal of this account from my credit report due to this inaccurate payment status.

Inconsistencies in Payment History : The payment history across reporting agencies contains discrepancies, further proving that this account is inaccurately associated with me.

Request : Remove this account from my credit report due to inconsistent and inaccurate payment history.

Legal Grounds for Dispute : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Credit reporting agencies are required by law to ensure that the information reported is accurate. Reporting an account that does not belong to me is a direct violation of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) : This case established that credit reporting agencies must conduct a reasonable investigation when a consumer disputes the accuracy of information. As the information provided by this account is inaccurate, I request immediate removal.

I kindly request that this unauthorized and inaccurate account be removed from my credit report as soon as possible. Please confirm the results of your investigation and provide me with documentation of the removal.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX