Product: Credit reporting or other personal consumer reports

I am writing to formally 2nd dispute against Transunion regarding inaccurate information reported on my credit file of XXXX XXXX account number ( XXXX ) credit card ending ( XXXX ). Upon reviewing again my credit report, I noticed that this account contains inaccurate late payment entries during the XXXX pandemic. These late payments were reported in violation of the CARES Act, Fair Credit Reporting Act ( FCRA ), and Truth in Lending Act ( TILA ). Specifically, I am disputing the following inaccuracies : Late Payments Reported : Transunion Account Status Inconsistencies : 30 days late in XXXX XXXX, 30 days late in XX/XX/XXXX and 30 days late in XX/XX/XXXX ]. 

XXXX Account Status Inconsistencies : 30 days late in XX/XX/XXXX and 30 days late in XX/XX/XXXX ]. 
Why is XXXX reporting 2 months ( ( XXXX ) XX/XX/XXXX and ( XXXX ) XX/XX/XXXX ) and you Transunion is reporting 3 months of late payments???? 

This is a clear discrepancy between Transunion and XXXX. 

High Balance Discrepancies : XXXX reflects {$620.00} as the high balance, this is inaccurate. 

Date Reported Issues : The account is marked with differing " Date Reported '' values on XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), Transunion ( XX/XX/XXXX ) which is inaccurate. 

Under the CARES Act ( Section XXXX ), creditors were required to provide special accommodations for consumers affected by the XXXX pandemic. As I was impacted by the pandemic, any late payments during this period should have been reported as " current '' per the law 's requirements. The accommodation I have made with XXXX XXXX was on XX/XX/XXXX of XXXX by phone call ( XXXX XXXX has the call recorded ) on XXXX XXXX offered as payment plan accommodation, waive the interest fee, waive of any other charges and waive of minimum payment for the billing cycles on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

These accommodations were not reflected accurately in this accounts payment history. Furthermore, under the FCRA ( 15 U.S. Code 1681s-2 ), furnishers of information are required to ensure maximum accuracy when reporting data to consumer reporting agencies. The discrepancies in high balance, account status, and dates of activity/reporting clearly violate these requirements. Additionally, the TILA ( 15 U.S. Code 1601 ) mandates clear and consistent disclosures to consumers. The inconsistent and erroneous information being reported on this account undermines the transparency and fairness required by law.

Requested Action : Immediately correct every single discrepancies on this XXXX XXXX account. Correct all late payment entries during the period covered by Cares Act 4021 from XX/XX/XXXX of XXXX until 120 days after the pandemic has ended in question to reflect the account as " current ''. Ensure consistency in the " High Balance, '' " Date Reported '' and " Account Status '' fields across all credit bureaus. Remove any inaccuracies identified during your investigation from my credit file.

I have attached the following documents to support my claim : Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ) A copy of my credit report highlighting the disputed entries. Supporting evidence of financial hardship caused by the XXXX pandemic receiving the Unemployment Benefits from New Jersey State in my XXXX  XXXX Bank Account in the same year of XXXX. 

Please conduct a thorough investigation into this matter and provide me with a written statement regarding the outcome within the 30-day timeframe allowed by the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response. Sincerely,