Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXXXXXX XXXX XXXX XXXX XXXX  regarding their mishandling of a disputed charge, unfairly reported negative balance, and failure to follow proper dispute resolution procedures. 

Issue Summary : 1. Fraudulent Hotel Charge & Unsafe Conditions On XX/XX/scrub>XXXX XXXX I checked into the XXXX XXXX XXXX for a one-night stay during the height of the XXXX pandemic. The room was filthy and uninhabitable, containing drug XXXX XXXX XXXX XXXX XXXX  ) and a disabled smoke detector, which posed serious safety and health risks. 
As an immune compromised individual, I could not risk exposure to these unsanitary conditions, especially during a global health crisis. 
Illinois state law mandates that hotels must provide a clean, safe, and habitable environment for guests. XXXX violated these legal obligations, making the charge for the room invalid. 
I immediately notified hotel management, who assured me that I would not be billed for the stay. Despite this, the charge was not removed, and XXXX XXXX failed to protect me as a consumer. 
2. Improper Handling of My Dispute by XXXXXXXX XXXX I disputed the charge of {$120.00} on XX/XX/scrub>XXXX XXXX XXXX initially issued a temporary credit but later reversed it, unfairly reinstating the charge. 
XXXX response stated that the issue was a quality of service dispute, directing me to resolve the matter with the merchantdespite the charge being unlawful due to the uninhabitable and unsafe conditions of the room. 
XXXX. Resulting Negative Balance & Unjust Fees Due to the improper reinstatement of the fraudulent charge, my account was pushed into negative balance ( - {$200.00} ). 
Excessive fees were charged, including : {$21.00} Non-XXXX XXXX XXXXee {$12.00} NonXXXX XXXX  Balance Inquiry Fee 8 Overdraft Fees & 4 Extended Overdraft Fees totaling {$370.00} Total improper charges : {$530.00} While some fees were refunded, the {$120.00} hotel charge remained unjustly reinstated, leading to the accounts closure. 
4. Violation of Fair Credit Reporting & Consumer Rights XXXX XXXX failed to conduct a proper investigation per the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines. 
The inaccurate Closed for Cause Purged status has negatively impacted my banking record with Early Warning Services ( EWS ), making it difficult for me to obtain a new bank account. 
XXXX. Additional IssuXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX acquisition of XXXX XXXX, I had an account with XXXX where I was owed money after a dispute resolution. 
XXXXXXXX XXXX never credited me for this balance, invalidating any claim that I owe them money. 

Requested Resolution : I request the CFPB to take action against XXXXXXXX XXXX for unfair practices and demand the following : 1. Complete removal of the negative balance and associated reporting from Early Warning Services. 
2. Investigation into XXXXXXXX XXXX failure to properly handle my dispute and their FCRA violations. 
3. Reimbursement of the improperly reinstated {$120.00} charge. 
4. Written confirmation from XXXXXXXX XXXX acknowledging their error. 
5. I sent response to XXXX and never heard back after I filed the written response they sent me and years later they have not responded to me. This is not acceptable and clear violation of policy. 
I have attached supporting documents, including my original CFPB dispute, communications with XXXXXXXX XXXX