XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, Georgia XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX In re : XXXX Correspondence Enclosed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX I am addressing the [ XXXX ] attached letters from XXXX. By way of background, please find the following : XXXX. Account ending XXXX : XXXX XXXX XXXX XXXX XXXX XXXX rate is 20.65 % This account was closed by XXXX without notice and without providing any justification for doing so. I have asked, numerous times, for an explanation, have been promised an explanation but to date my request has fallen on deaf ears. <P/>Regardless of your attached narrative, I still contend this account was never late prior to XXXX closing it. In closing this account, XXXX caused damage to my credit ; further, XXXX used this false claim to raise my interest rate to 20.65 %. <P/>Finally, XXXX has failed to provide me any supporting documentation demonstrating I have ever been late. I contend I have never been late. <P/>2. Account ending XXXX : XXXX XXXX XXXX Card Interest rate is 20.65 % This account was closed by XXXX without notice and without providing any justification for doing so. I have asked, numerous times, for an explanation, have been promised an explanation but to date my request has fallen on deaf ears. <P/>Regardless of your attached narrative, I still contend this account was never late prior to XXXX closing it. In closing this account, XXXX caused damage to my credit ; further, XXXX used this false claim to raise my interest rate to 20.65 %. <P/>Finally, XXXX has failed to provide me any supporting documentation demonstrating I have ever been late. I contend I have never been late. <P/>According to the XXXX Website, my instant FICO Score is XXXX. <P/>3. Account ending XXXX : XXXX XXXX XXXX XXXX Interest rate is 24.65 % I have asked, numerous times, for an explanation, have been promised an explanation but to date my request has fallen on deaf ears. <P/>Regardless of your attached narrative, I still contend this account was never late. In closing the associated accounts, XXXX caused damage to my credit and used their false narrative to raise my interest rate to 24.65 %. <P/>Finally, XXXX has failed to provide me any supporting documentation demonstrating I have ever been late. I contend I have never been late. <P/>According to the XXXX Website, my instant FICO Score is XXXX. <P/>XXXX. Account ending XXXX now XXXX : XXXX XXXX XXXX Interest rate is 18.65 % I have asked, numerous times, for an explanation, have been promised an explanation but to date my request has fallen on deaf ears. <P/>Regardless of your attached narrative, I still contend this account was never late. In closing the associated accounts, XXXX caused damage to my credit and used their false narrative to raise my interest rate to 18.65 %. <P/>Finally, XXXX has failed to provide me any supporting documentation demonstrating I have ever been late. I contend I have never been late. <P/>According to the XXXX Website, my instant FICO Score is XXXX. <P/>Please provide me the explanation promised, conduct a proper investigation as to each of the assertions listed and provide me the supporting documentation XXXX is obligated to produce. Failing this, remove the deleterious annotations from my accounts and notify each of the credit bureaus. <P/>Sincerely, /s/XXXX XXXX