Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate and Unsubstantiated Late Payments and Consumer Credit Violations To Whom It May Concern : I am writing to formally dispute and file a complaint regarding multiple inaccurate, misleading, and unsubstantiated late payments reported by XXXX and Truist Bank on my credit reports maintained by Equifax, TransUnion, and Experian. I believe these reporting actions are in violation of several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), as well as other applicable consumer protection regulations. 
Disputes : XXXX XX/XX/XXXX XXXX XXXX I was reported as late for the billing cycle of XX/XX/XXXX. However, I have documentation from XXXX proving that the payment was made and cleared. I have requested, and received, a printout confirming my account was in good standing. Despite this, the inaccurate delinquency remains on my credit file. 
2Truist Bank JXXXX XXXX XXXX XXXX  Late Payments Truist Bank has repeatedly reported late payments in XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. I have contacted Truist on multiple occasionsmore than four timesrequesting that a specialist provide confirmation of the payment method, date, and documentation of the alleged delinquencies. To date, they have failed to provide any substantiating evidence. 
Credit Bureau Discrepancies : Furthermore, I am deeply concerned that my credit score differs significantly across the three major credit bureaus, with TransUnion showing the lowest score. This breach of accuracy and consistency undermines the intent of the FCRA, which mandates that consumer credit reporting agencies furnish data that is fair, accurate, and equitable to the consumer.

Federal Law Violations : FCRA, 15 U.S.C. 1681i ( a ) Mandates reinvestigation of disputed information within 30 days.

FCRA, 15 U.S.C. 1681s-2 ( b ) Requires furnishers of information ( such as XXXX and Truist ) to investigate and correct inaccurate data when notified.

FCRA, 15 U.S.C. 1681e ( b ) Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual.

Despite my best efforts, including filing a complaint through the appropriate channels and with the Federal Trade Commission ( FTC ) over a year ago, this matter has not been resolved. These inaccuracies continue to adversely affect my credit standing and ability to access financial opportunities. 
Request for Immediate Action : I demand immediate reinvestigation and removal of the inaccurate derogatory remarks from XXXX ( XX/XX/XXXX ) and Truist Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I also request the harmonization of my credit score across XXXX XXXX XXXX XXXX, in accordance with applicable credit scoring fairness practices. 
Please notify me once the investigation is complete and provide a written explanation of your findings. 
This letter serves as a formal complaint and request for corrective action. Please consider this my consent to investigate the matter with the reporting entities and furnishers involved.