Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX and members of the XXXX Department, I am writing to address the unresolved matter concerning the unauthorized duplication and use of my card, as detailed in our initial report. Despite the identification of the illegitimate transaction at a specific location on the same day, the associated charges have not been rectified in my account. The prolonged handling of this issue, characterized by successive transfers and inadequate information from various representatives, has been disheartening. Compounded by my recent major XXXX, which renders me unable to address this matter via telephone, this situation has been particularly frustrating. 

It is imperative that the aforementioned charges be promptly credited back to my account by the close of today. Failure to resolve this issue will necessitate submitting a formal complaint to relevant government agencies due to the mishandling and prolonged negligence in managing this matter, which constitutes a violation of regulations and standards. I firmly request the XXXX Department 's immediate attention to rectify this matter without further delay. 




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