Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXXXXXX XXXX*Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Attn : Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXSubject : Dispute of Unauthorized Charge XXXX XXXX Account # XXXX Dear Sir/Madam, I am writing to dispute a charge on my XXXX XXXX  account ( Account Number : XXXX ). The transaction in question, amounting to {$650.00}, does not reflect purchases I have authorized. I am requesting an investigation and the immediate removal of this charge under Section 601 of the Fair Credit Billing Act ( FCBA ), as this unauthorized transaction violates my consumer rights.

Additionally, my personal information was compromised during a data breach, which I believe led to this unauthorized transaction. Please find enclosed a copy of my credit card statement highlighting the disputed charge, along with any relevant documentation. 

Details of the Disputed Transaction : - **Account Holder Name** : XXXX XXXX XXXX **Billing Address** : XXXX XXXX XXXX XXXX  XXXX, IL XXXX - **Transaction Date** : [ Insert Transaction Date ] - **Amount** : {$650.00} Please provide written acknowledgment of this dispute and promptly remove the charge from my account. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX, IL XXXX **Date : XX/XX/XXXX, XXXXXXXX XXXX XXXX Attn : Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX : XXXX of Unauthorized Charge XXXX XXXX Account # XXXX Dear Sir/Madam, I am writing to dispute a charge on my XXXX XXXX account ( Account Number : XXXX ). The transaction in question, amounting to {$1200.00}, was not authorized by me. I am requesting an investigation and the immediate removal of this charge under Section 601 of the Fair Credit Billing Act ( FCBA ), as this unauthorized transaction infringes on my consumer rights.

Furthermore, my personal information was exposed during a data breach, which may have led to this fraudulent transaction. Enclosed are copies of my credit card statement highlighting the disputed charge and any other supporting documentation. 

Details of the Disputed Transaction : - **Account Holder Name** : XXXX XXXX XXXX XXXXBilling Address** : XXXX XXXX XXXX XXXX XXXX, IL XXXX - XXXXTransaction Date** XXXX [ Insert Transaction Date ] - **Amount** : {$1200.00} Please acknowledge receipt of this dispute and take immediate action to resolve this issue. 

Thank you for your prompt attention. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX **Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Attn : Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXSubject : Dispute of Unauthorized Charge XXXX XXXX Account # XXXX Dear Sir/Madam, I am writing to formally dispute a charge on my XXXX XXXX account ( Account Number : XXXX ). The transaction in question, amounting to {$640.00}, was not authorized by me. I am requesting an investigation and the immediate removal of this charge under Section 601 of the Fair Credit Billing Act ( FCBA ), as this unauthorized transaction breaches my consumer rights.

Additionally, my personal information was compromised during a data breach, which may have led to this fraudulent transaction. Enclosed are copies of my credit card statement highlighting the disputed charge and any relevant documentation. 

Details of the Disputed Transaction : - **Account Holder Name** : XXXX XXXX XXXX XXXXBilling AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX - XXXXTransaction DateXXXX XXXX  [ Insert Transaction Date ] - **Amount** : {$640.00} XXXX request that you provide written acknowledgment of this dispute and promptly remove the charge from my account. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation