Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX : Customer Service Department XXXX XXXX XXXX XXXX XXXX, MA XXXX Subject : Formal Complaint Regarding Identity Theft Claim Dear Sir/Madam, I am writing to address the unsatisfactory response I received from XXXX XXXX XXXX XXXX XXXX XXXX ) regarding the identity theft claim filed in relation to an account opened in my name without my consent. My name is XXXX XXXX, and I am the victim of identity theft. 

The account in question was opened around XXXX of XXXX, unbeknownst to me until late XXXX when I discovered its existence upon reviewing my credit report. I immediately contacted XXXX to report the fraudulent activity and initiate an investigation into the matter. Despite my repeated attempts to obtain updates on the investigation, I was informed on XXXX occasions that no information could be provided while the investigation was ongoing. 

However, the response I received from XXXX via mail was not only disheartening but also unacceptable. The letter claimed that no identity theft had occurred and shifted the responsibility onto me for accounts that I never applied for nor authorized. This assertion contradicts the reality of the situation and fails to acknowledge the severity of the identity theft issue at hand. 

Moreover, XXXX 's assertion that " sufficient identity information '' was received during the opening of the fraudulent account is misleading and unsubstantiated. As a victim of identity theft, I have placed fraud alerts on my credit report and have not submitted any documentation to apply for an account with XXXX. Therefore, the claim that the information provided matches their records is both baseless and dubious. 

In light of the aforementioned circumstances, I hereby request the following documents and information from XXXX within 30 days : XXXX. All physically signed documents pertaining to the fraudulent account, including but not limited to membership agreements, loan applications, and identity verification forms. 
XXXX. Copies of any identity documents submitted in connection with the opening of the fraudulent account. 
XXXX. Policies and procedures followed by XXXX in verifying the accuracy of information provided during the account opening process. 
XXXX. Any federal laws or regulations adhered to by XXXX in the verification of information for identity theft claims. 

Failure to provide the requested documentation within the specified timeframe will constitute a violation of federal law. I am prepared to take legal action against XXXX to ensure that all information related to the fraudulent account is deleted from your systems and promptly removed from all consumer reporting agencies, including but not limited to Experian, XXXX, and XXXX. 

Furthermore, I want to emphasize that I have taken proactive steps to address this issue, including filing a report with the Federal Trade Commission ( FTC ) and disputing the fraudulent account with all three major credit bureaus as soon as it came to my attention. 

In conclusion, I urge XXXX to take swift and decisive action to rectify this matter and provide me with the necessary documentation to support my identity theft claim and delete all fraudulent information from their systems as well as the major consumer agencies which includes all information related to XXXX XXXX XXXX myself. Your cooperation in this regard is imperative to resolving this issue expediently and restoring my financial well-being. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX