Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX SS # XXXX Phone XXXX Subject : Dispute Regarding Inaccurate Credit Reporting by Trans Union and XXXX Dear Consumer, Financial Protection Bureau , I am writing to formally dispute and seek resolution for a serious issue related to the credit reporting practices of Trans Union and XXXX XXXX Both credit reporting agencies have inaccurately reported a paid late payment on my credit report, even after I provided them with ample evidence from the creditor, XXXX XXXX, that there was never any late payment. 

The key details of this dispute are as follows : In XX/XX/XXXX, XXXX XXXX ( phone number : XXXX ) incorrectly reported a debt of {$190.00} as being in collection for a bill due to XXXX XXXX utilities. I promptly contacted XXXX XXXX to have this entry removed from my credit report. They advised me to obtain a letter from XXXX XXXX to confirm that I had never been late in my payments. 

On XX/XX/XXXX, XXXX XXXX provided me with a letter confirming that I had never been late on payments, and they also assured me that they would send the same letter to all three major credit reporting agencies, including Trans Union and XXXX. 

To ensure that the credit reporting agencies had all the necessary documentation to correct their records, I submitted the following documents to both Trans Union and XXXX : The last bill from XXXX XXXX, showing a consistent history of on-time payments. 
A cancelled bank statement demonstrating that I paid XXXX XXXX on time. 
A letter from XXXX XXXX affirming that I did not owe any outstanding monies and had not been late on payments since I opened the account in XX/XX/XXXX. 
Despite the overwhelming evidence I provided, Trans Union and XXXX continued to inaccurately report the late payment on my credit report, damaging my creditworthiness. Moreover, when I disputed these inaccuracies with both agencies, they took actions that further harmed my credit profile : Trans Union marked the disputed entry as " paid late '' in XX/XX/XXXX, as indicated in the attached Trans Union report. 

Upon my dispute, both agencies reported new negative activity in XX/XX/XXXX, extending the time it will take for these negative items to come off my credit report. This not only has a detrimental impact on my credit score but also resets the clock on my credit improvement timeline.

I am deeply concerned that these actions by Trans Union and XXXX are not only inaccurate but also appear to be punitive in nature. I believe that I have been unfairly discriminated against, and my creditworthiness has been misrepresented due to their negligence and potentially unethical practices. 

These inaccuracies and the subsequent damage to my credit have significant financial consequences. I recently applied for a mortgage, and the lower credit scores reported by these two agencies have led to higher interest rates, costing me an extra {$280.00} per month in interest payments.

I kindly request your assistance in investigating this matter and rectifying the inaccuracies on my credit reports maintained by Trans Union and XXXX. I believe that these agencies have an obligation to report accurate and fair information, and their actions in this case have been unjust and detrimental to my financial well-being. 

Enclosed, please find copies of all relevant documents, including correspondence with XXXX XXXX, the Trans Union report, and the XXXX report, to support my dispute. 

I am hopeful that your intervention will lead to a timely and equitable resolution of this issue, allowing me to correct my credit reports and secure the mortgage at a fair interest rate that accurately reflects my creditworthiness. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. 





XXXX XXXX XXXX. 
Copy Drivers license XXXX XXXX last Invoice Copy of payment from Bank Letter from XXXX XXXX proving nothing owed or late Copy of Trans Union credit report with inaccurate information with dates and notes Copy of derogatory reports with a new date of XX/XX/XXXX Letter to Trans Union Letter to XXXX