Product: Credit reporting or other personal consumer reports

After checking on my XXXX  app bank, I found out that I had received a major derogatory mark on my credit score on XX/XX/XXXX, for my account with XXXX XXXX. 

On that same day ( XX/XX/XXXX ), I lost XXXX points ( attachment XXXX ) My XXXX XXXX Score XXXX as of XX/XX/XXXX was XXXX. 
My Experian XXXX  Score XXXX as of XX/XX/XXXX was XXXX. 
My XXXX XXXX Score XXXX as of XX/XX/XXXX was XXXX. 

I sent a dispute letter by certified mail to these XXXX companies on XX/XX/XXXX. 

The reason why I found out about this loss of points is because we are trying to buy a house with my husband and the bank that we contacted for the mortgage ran a credit score report.

This is unacceptable and I am disputing this credit score for the following reason : I have paid all the invoices due to XXXX, despite disputing exorbitant amounts and constantly enquiring about abusive fees and should therefore not be considered delinquent. XXXX has been acting in bad faith and the recent class action lawsuit shows that I am not the only customer who has been a victim of their illegal schemes. 

The class action lawsuit arose from XXXX sign-up policies and practices which deceive customers by prominently advertising certain monthly rates for XXXX post-paid XXXX service plans. After customers sign up, however, XXXX uniformly charges them higher monthly rates than it advertised and promised by adding what XXXX calls an Administrative Charge to the bill. 

At issue is XXXX administrative charge, which the plaintiffs said was misleading because that fee wasnt disclosed in their plans advertised monthly price and was charged in a deceptive and unfair manner. 

XXXX has denied the claims and said in a previous statement that it clearly identifies and describes its wireless consumer admin charge multiple times during the sales transaction, as well as in its marketing, contracts, and billing. 

The settlement was a culmination of XXXX different lawsuits brought together in a New Jersey court, that same state where XXXX is headquartered. 

So-called junk fees are not only derided by consumers but have also attracted the ire of the Biden administration . Last XXXX, the Federal Trade Commission unveiled a proposed rule that would ban businesses from charging hidden or misleading fees and require companies to show full prices upfront. 

As a result of this lawsuit, some XXXX customers, including myself, were invited to apply for a refund as part of the {$100.00} XXXX settlement. ( attachment XXXX ) As you can see from the attachments, I have always paid my invoices on time ( see attachment XXXX where XXXX emailed me to say that late payments werent typical of me ) Between XX/XX/XXXX and XX/XX/XXXX, I have repeatedly written to XXXX to enquire about exorbitant amounts invoiced ( attachments XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX ), and they have proceeded to refund me or credit my account as a result of my requests ( attachments XXXX and XXXX ) I terminated my contract with XXXX on XX/XX/XXXX ( attachment XXXX ) after paying the XXXX bill ( attachment XXXX ) They asked me to pay an invoice for XXXX ( attachment XXXX ) whose amount was, once again, completely disproportionate given the fact that I only used my phone 11 days in XXXX. 

The derogatory mark on my credit score is completely unfair and disproportionate given : - XXXX  abusive invoicing system, as laid out by the above-mentioned class action lawsuit, and evidenced by the several attachments ; - My exemplary track record as a XXXX customer ; and - My exemplary credit score until this incident. 
This credit score is damaging my prospects of becoming a homeowner despite an exemplary financial background. 

I trust you will favorably consider my request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX