Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX Dear CFPB, I am filing this complaint against TransUnion, XXXX XXXX and XXXX for their failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX account ( # XXXX ). Despite submitting XXXX prior dispute requests on XX/XX/XXXX and XX/XX/XXXX, the credit bureaus have neglected to make the necessary corrections, resulting in a continued violation of my federally protected consumer rights. 
Account Information : High Balance : {$2600.00} ( TransUnion and XXXX ), {$350.00} ( XXXX ) Last Verified : XX/XX/XXXX ( TransUnion ) Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), ( XXXX ) Date Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX ( TransUnion ) Account Rating : Paid Payment Status : Late XXXX  Days ( XX/XX/XXXX ) ; Late XXXX  Days ( XX/XX/XXXX ) ; Late XXXX  Days ( XX/XX/XXXX and XX/XX/XXXX ) Account Status : Closed Creditor Remarks : Canceled by credit grantor ( TransUnion ), Account has been closed due to inactivity ( XXXX ), Accounts closed by credit grantor ( XXXX XXXX Credit Limit : {$350.00} Discrepancies : Credit Limit : TransUnion and XXXX report {$350.00}, while XXXX reports no information. 
XXXX XXXX : TransUnion and XXXX report {$2600.00}, while XXXX reports {$350.00}. 
Last Verified Date : Only reported by TransUnion. 
Date of Last Activity : Different dates across TransUnion, XXXX, and XXXX. 
Closed Date : Reported only by TransUnion. 
Late Payments : Discrepancies in reporting dates and durations : XXXX reports late payment for XX/XX/XXXX. 
TransUnion and XXXX report late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Violations : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of information in consumer files. My repeated disputes have not been adequately investigated or corrected.

15 U.S. Code 1681b : The reporting of inaccurate late payments violates my right to privacy and ensures only accurate data is furnished to third parties. 
Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Creditors must send periodic statements at least XXXX  days before the due date to avoid late fees. The reported late payments indicate a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, which appears to have been neglected. 
Impact of Errors : These inaccuracies have caused undue harm to my creditworthiness, including potential denial of credit opportunities and higher interest rates. 
Desired Resolution : Immediate removal of the late payment notations ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) from my credit report across all three credit bureaus. 
Written confirmation from TransUnion, XXXX, and XXXX verifying the corrections. 
I have attached supporting documentation, including copies of previous dispute letters and my credit reports highlighting the inaccuracies. If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for addressing this matter. Please confirm receipt of this letter and inform me of any actions taken to resolve my complaint. 
Sincerely, XXXX XXXX XXXX XXXX