Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Certainly! If you need to explain an unknown report on your credit profile to the Consumer Financial Protection Bureau ( CFPB ), here 's a template you can use to file a dispute. Make sure to customize it with your specific details : -- - **Subject : ** Dispute of Inaccurate Credit Report Information **To : ** Consumer Financial Protection Bureau ( CFPB ) **From : ** [ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] **Date : ** [ Current Date ] **Regarding : ** Discrepancy on Credit Report from XXXX  XXXX - Auto Loan Dear CFPB, I am writing to formally dispute an inaccurate and unknown report on my credit profile. I discovered a concerning entry from XXXX  XXXX regarding an auto loan with the following details : - **Past Due Amount : ** {$4100.00} - **Status : ** Delinquent, Late 90 Days Upon reviewing my records, I have never applied for or taken out an auto loan with XXXX  XXXX. This entry is not only unknown to me but also entirely incorrect and has negatively impacted my credit score. 

I have taken the following steps to resolve this issue : XXXX. **Contacted XXXX XXXX : ** I attempted to reach out to XXXX XXXX directly to investigate this matter, but I have not received any satisfactory resolution or clarification.

2. **Reviewed my Records : ** I thoroughly reviewed my personal records and confirmed that no such loan exists under my name.

3. **Credit Bureau Notification : ** I have notified the relevant credit bureaus ( XXXX XXXX Experian XXXX and XXXX XXXX of this inaccuracy and have initiated a formal dispute with each. 

To help facilitate the resolution process, enclosed are the following documents for your reference : - A copy of my official credit report highlighting the disputed entry. 
- A copy of my identification documents. 
- Correspondence records with XXXX XXXX ( if applicable ). 
- Any other supporting documents that reaffirm my claim. 

I kindly request the CFPB to investigate this matter thoroughly and instruct XXXX XXXX to remove this erroneous entry from my credit profile. This inaccurate information has caused undue stress and potential financial hardship, and it is imperative that it be corrected as promptly as possible. 

Thank you for your attention to this matter. I look forward to your timely response and the rectification of my credit report. 

Sincerely, XXXX XXXX Make sure to include copies of any relevant documents you have and keep the originals for your records. You can file your complaint on the XXXX website, or by mail to : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Iowa XXXX I hope this helps, and best of luck in resolving the issue! You XXXX refer to the following sections of Title 15 of the U.S. Code : 15 U.S.C. 1693, et seq. ( Electronic Fund Transfer Act - EFTA ) : This section covers consumer rights regarding electronic financial transactions. If the fraud charge involves an electronic transaction, this could be relevant.

15 U.S.C. 1601, et seq. ( Truth in Lending Act - TILA ) : This section focuses on fair and honest credit billing and credit card practices.

15 U.S.C. 1681, et seq. ( Fair Credit Reporting Act - FCRA ) : This Act is concerned with the accuracy, fairness, and privacy of information in credit reporting.

To report a fraud charge to the Consumer Financial Protection Bureau ( CFPB ), you should ideally include a detailed account of the issue, referencing the specific instances where you believe the law ( s ) have not been adhered to.

Here 's a general template you can use to draft your complaint, and you can modify it to fit your specific situation : [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Fraudulent Charge and Violation of XXXX U.S.C. [ Relevant Section ] Dear CFPB, I am writing to formally dispute a fraudulent charge that appeared on my [ name of the financial institution, e.g., credit card/debit card/etc. ]. The charge was made on [ date ], with the amount of [ $ amount ], by [ name of the merchant or transaction information if available ].

In accordance with [ relevant Section ( s ) of Title 15 of the U.S. Code, such as 1693 ( EFTA ) or 1601 ( TILA ) ], I request immediate attention to this matter. Detailed information about the disputed transaction is as follows : Transaction Date : [ date ] Merchant : [ merchant name or statement description ] Amount : [ $ amount ] I have contacted the financial institution involved, but despite my efforts, I have not received a satisfactory resolution. I believe this case involves a clear violation of my consumer rights as protected under [ mention specific part of EFTA/TILA/FCRA, e.g., " 15 U.S.C. 1693f ( EFTA ) '' ].

Enclosed are copies of all relevant documentation including my communication with the financial institution, statements displaying the fraudulent charge, and any correspondence that pertains to this incident.

I urge the CFPB to investigate this case promptly and ensure that the erroneous charge is reversed and necessary measures are taken to prevent future occurrences. 


Thank you for your assistance and attention to this matter. 


Sincerely, [ Your Name ] [ intended enclosures, e.g., Enclosures : Copies of Correspondence, Financial Statements, etc. ]