Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding XXXX XXXXXXXX XXXX  mishandling of my account ( Account ending in XXXX ), which has resulted in ongoing inaccuracies reported to XXXX, Experian, and XXXX. These errors have caused significant harm to my credit profile, financial stability, and personal well-being. 

Issue Summary : 1. Fraudulent Charges : On XX/XX/XXXX, I reported several fraudulent charges on my account, which XXXX XXXX acknowledged and credited back to my account. As demonstrated in the attached statements, my account balance was adjusted to {$0.00} following the resolution of the fraudulent charges. 


2. Reintroduction of Fraudulent Charges Due to a " Computer Error '' : In XX/XX/XXXX, I was notified by XXXX XXXX that the fraudulent charges previously credited were mistakenly re-added to my account due to a computer error. This error brought my balance to {$540.00}, undoing the earlier resolution. 


3. Inconsistent and Confusing Communication : On XX/XX/XXXX, I received a letter from XXXX XXXX acknowledging the computer error and indicating that steps would be taken to resolve it. However, no corrective action was taken. Instead, XXXX XXXX later claimed no computer error had occurred, leaving me with a delinquent account status that is inaccurate and unjustified. 


4. Incorrect Reporting to Credit Bureaus : As a result of this mishandling, my account has been reported as delinquent with a balance of {$670.00} as of XX/XX/XXXX, despite being closed and originally charged off on XX/XX/XXXX. These errors have severely impacted my credit report and financial standing. 


5. Blame Shift and Lack of Accountability : XXXX XXXX has now shifted blame onto me, denying the existence of the computer error, despite the attached documentation proving otherwise. This includes statements showing my {$0.00} balance after the fraud credits were applied, followed by paperwork reflecting the erroneous reintroduction of fraudulent charges. 



Resolution Requested : 1. Immediate removal of all inaccurate information regarding this account from XXXX, Experian, and XXXX, reflecting its correct status as closed and charged off on XX/XX/XXXX. 


2. Adjustment of the reported balance to {$0.00}, removing any delinquencies erroneously attributed to this account. 


3. A written explanation from XXXX XXXX acknowledging the computer error and providing clarification on their mishandling of the fraudulent charges and reintroduction of errors. 


4. Assurance that this matter will be resolved in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ), and the Fair Credit Reporting Act ( FCRA ).

5. Compensation for the significant mental anguish, stress, and emotional pain caused by these errors, as well as the time and effort I have invested in proving this case using XXXX XXXX own paperwork. 



This issue has caused me undue financial and emotional distress, compounded by the inconsistent communication and lack of accountability from XXXX XXXX. I respectfully request that this matter be escalated and resolved immediately. 

I have included copies of the relevant documentation for your review, including : My account statements reflecting a {$0.00} balance after the fraudulent charges were credited. 

Correspondence from XXXX XXXX regarding the computer error. 


Please confirm receipt of this letter and provide a timeline for resolution. I appreciate the CFPBs assistance in ensuring that my rights under federal law are upheld and my credit report accurately reflects my account history. 

Sincerely, XXXX XXXX