Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
TransUnion Dear Sir/Madam , Re : Dispute of Account Reporting for Account No. I am writing to dispute the accuracy of the information being reported on my credit profile by XXXX XXXX XXXX under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The information reported contains several inaccuracies that are detrimental to my creditworthiness. Below, I have outlined the discrepancies and the relevant FCRA rules, laws, and regulations that support my dispute.On-Time Payments vs. Payment Status : Reported Information : The account is marked as 30 days late with an amount past due of $ XXXXDiscrepancy : The report states that my on-time payments are 100 % and the worst payment status is " Current. " FCRA Violation : Per FCRA 15 U.S.C. 1681e ( b ), a consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. The contradiction between the payment status and on-time payments violates this requirement.Current Balance vs. Payments Made : Reported Information : The current balance is listed as {$630.00}, which should reflect regular payments on the original loan amount of $ XXXXDiscrepancy : The payment history does not accurately reflect the reduction in balance based on the payments made.FCRA Violation : Under FCRA 15 U.S.C. 1681i, the consumer reporting agency must promptly investigate disputed information. The discrepancy in the balance suggests that payments have not been properly accounted for, warranting an immediate investigation and correction.Amount Past Due : Reported Information : The amount past due is stated as $ XXXX.Discrepancy : If payments have been made on time and consistently, the past due amount should not exist.FCRA Violation : FCRA 15 U.S.C. 1681s-2 ( b ) mandates that furnishers of information, like XXXX  XXXX XXXX , must correct and update information that they have furnished to credit reporting agencies that they determine is not complete or accurate.Compliance with California State Law : California Consumer Credit Reporting Agencies Act ( CCCRAA ) : Under California Civil Code 1785.14, credit reporting agencies must follow procedures to assure maximum possible accuracy.Violation : The discrepancies in my account reporting violate the CCCRAA, as the information provided is not accurate or consistent.Impact on Credit Profile : Discrepancy : The inaccurate reporting of my account status, balance, and payment history is causing undue harm to my credit profile, affecting my ability to obtain credit on favorable terms.FCRA Violation : FCRA 15 U.S.C. 1681i ( a ) ( 5 ) requires the deletion or modification of information found to be inaccurate or unverifiable.Correct Account Status : Accurate Information : The account was opened 24 months ago and has been paid in full. There is no need to verify with the data furnisher, as I have already provided accurate account details. The reported information that states I am 30 days late contradicts the statement that I have a 100 % payment record.FCRA Violation : Given that the data from both the data furnisher and the credit reporting agency is invalid, contradictory, and inaccurate, this violates FCRA provisions and has caused significant damage to my credit. It is imperative that the credit agency updates the information to reflect the correct status : the account is 24 months old, paid in full, and currently open.Due to this misinformation, my credit score was negatively impacted by XXXX points, preventing me from securing a home loan. This incorrect reporting has caused substantial harm, and under FCRA, I am entitled to accurate and fair reporting. If these errors are not corrected, I will escalate this dispute by contacting the Attorney General of California, the XXXX XXXX XXXX, and pursuing legal action in small claims court against both XXXX XXXX XXXX and TransUnion for reporting inaccurate information and compromising my credit.Please update my account information to reflect the accurate status immediately. I expect a response within 30 days, as stipulated by the FCRA.Thank you for your prompt attention to this matter.Sincerely, XXXX XXXX XXXX XXXX I will provide my social security card my California driver 's license as well as the screenshots of XXXX  reporting my account the link which is not with a screenshot of the {$130.00} credit drop I receive because of the inaccurate file as well as the report on how it states that I have 100 % payment history so there's no way that I can have a 30-day late if I have 100 % payment history all of the documents are included with the dispute