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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
**David XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX **Date : XX/XX/XXXX, XXXX **XXXX XXXX** Attn : Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX : XXXX of Unauthorized Charge XXXX XXXXXXXX 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 XXXX of the XXXX XXXX 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 XXXX Address** : XXXX Forest View Ln., Aurora, IL XXXX - XXXX Date** XXXX [ 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, **David XXXX XXXX - **Letter XXXX : ** XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX **Date : XX/XX/XXXX, XXXX **XXXX XXXX** Attn : Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX : XXXX of Unauthorized Charge Capital 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 XXXX of the XXXX XXXX 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 XXXX Address** : XXXX Forest View Ln., Aurora, IL XXXX - XXXX 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. 

Sincerely, **David XXXX XXXX - **Letter XXXX : ** XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX **Date : XX/XX/XXXX, XXXX **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 formally dispute a charge on my Capital 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 XXXX of the XXXX XXXX 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 XXXX Address** : XXXX Forest View Ln., Aurora, IL XXXX - XXXX Date** 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, **David XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation