Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX  DC XXXX Subject : FORMAL COMPLAINT REGARDING INACCURATE LATE PAYMENTS ON CREDIT REPORT To Whom It May Concern, I am filing a formal complaint against Experian and TransUnion for their failure to correct inaccurate late payments reported on my credit file. Despite my previous disputes, these inaccuracies remain on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
Details of the Inaccurate Late Payments : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments in Dispute : XXXX XXXX, XXXX XXXX to XXXX XXXX, XX/XX/XXXX to Current date Credit Bureau ( s ) Reporting the Errors : TransUnion Creditor Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Dates of Late Payments in Dispute : XXXX XXXX, XXXX XXXX to XXXX XXXX, XX/XX/XXXX to Current date Credit Bureau ( XXXX ) Reporting the Errors : Experian Legal Violations & Consumer Rights 15 USC 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Proper Investigation Under the FCRA, credit bureaus must conduct a reasonable reinvestigation of disputed information within 30 days. I have disputed these late payments, yet they remain unverified and inaccurately reported. 
15 USC 1681e ( b ) Duty to Ensure Maximum Accuracy Credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. Continuing to report incorrect late payments violates this requirement.

15 USC 1681i ( a ) ( 5 ) ( A ) Requirement to Delete Unverified Information If a credit bureau can not verify a disputed item, it must be deleted from my report immediately. These late payments have not been verified, yet they remain. 
15 USC 1666b Proper Crediting of Payments If a payment was made on time but reported late due to a creditors processing issue, it can not legally be reported as late. The continued reporting of these inaccuracies suggests improper handling of my payment history.

12 CFR 1026.13 Billing Dispute Protections If I previously disputed these late payments with the creditor and the dispute was not resolved correctly, then the reported late payments are invalid and must be removed. 
Failure to Provide Investigation Transcripts I requested a full transcript of the investigations conducted by Experian and TransUnion into my disputes. All three credit bureaus failed to provide these transcripts, in direct violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires credit bureaus to inform the consumer of the reinvestigation procedures, including the business name, address, and telephone number of any furnisher of information contacted in connection with such information.

My Formal Complaint & Requested Action I request that the CFPB intervene immediately to ensure that Experian and TransUnion comply with federal law. I demand : Immediate Deletion of the Inaccurate Late Payments Since these late payments are unverified and inaccurate, they must be removed from my credit file. 
A Written Explanation from the Credit Bureau Detailing the steps taken during their reinvestigation and the source used to verify these late payments.

Confirmation of a Corrected Credit Report Providing me with an updated copy reflecting the necessary deletions. 
Supporting Documents Enclosed : A copy of my credit report highlighting the disputed late payments. 
Correspondence with the credit bureau and creditor regarding my previous disputes. 
Payment records proving that these late payments were reported in error. 
Legal Consequences for Non-Compliance If this matter is not resolved promptly, I am prepared to take further action, including filing additional complaints with the Federal Trade Commission ( FTC ) and seeking legal counsel for violations of the Fair Credit Reporting Act ( 15 USC 1681n & 1681o ), which allow for damages, attorney fees, and punitive measures against non compliant entities. 
I request the CFPBs immediate assistance in ensuring my consumer rights are upheld. I look forward to a swift resolution of this matter. 
Sincerely, XXXX XXXX XXXX