Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Immediate Correction of Inaccurate Late Payments on My Credit Report Dear CFPB, I am writing to formally dispute the inaccurate late payment entries reported on my credit file maintained by TransUnion. These reported late payments do not accurately reflect my payment history, as I have consistently made my payments on time and have enrolled in autopay for all my accounts to ensure timely payments. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are erroneous. My records, including a receipt dated XX/XX/year>, confirm that the payment was made on time, and this information should be accurately reflected on my credit file. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness and impacts my credit profile unfairly.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : Reporting false late payments could also constitute a violation of the FDCPA, as it misrepresents my account status and payment history.

Truth in Lending Act ( TILA ) : These reporting practices violate the TILA, which mandates accurate reporting of all credit information to ensure fair treatment of consumers.

The FCRA, particularly sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct inaccurate or incomplete information to maintain maximum accuracy in consumer files. Sections 616 and 617 ( 15 U.S.C. 1681n and 1681o ) further outline the civil liability for willful and negligent noncompliance with these requirements, including potential damages and attorneys fees.

Requested Resolution : I request that TransUnion conduct a detailed investigation into this matter and immediately remove the inaccurate late payments from my credit report. All late entries should be corrected to reflect my actual, on-time payment history. I expect written confirmation of the removal of these entries within 30 days of this complaint. Should this issue remain unresolved, I may pursue further actions to protect my consumer rights. 
Errors and Discrepancies on XXXX Account : The XXXX  account shows several inconsistencies with reported late payments, which do not match my actual payment history, as all payments were made on time. These discrepancies negatively impact my credit profile and reflect errors across each of the credit reporting agencies. 
XXXX has reported late payments for XXXX, XXXX, and XX/XX/year>. 
XXXX records late payments for XXXX, XXXX, and XX/XX/year>. 
TransUnion shows late payments for XXXX, XXXX, and XX/XX/year>. 
Supporting Evidence : I am attaching a copy of my payment receipt dated XX/XX/year>, verifying that my payment was made on time. This document substantiates my dispute and should be sufficient to remove these inaccurate late payment entries from my credit report. 
Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the corrections in my credit report within the 30-day timeframe mandated by the FCRA. 
Sincerely, XXXX XXXX