Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX XXXX  Account Dear CFPB, I am filing this complaint against TransUnion and XXXX for their repeated failure to correct inaccurate information on my credit report concerning late payments for my XXXX XXXXXXXX account, despite multiple prior disputes dated XX/XX/XXXX, and XX/XX/XXXX. As of today, the inaccuracies remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
Account Information : Account Number : XXXX High Balance : {$720.00} Date Opened : XX/XX/XXXX Balance Owed : {$370.00} Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Current Credit Limit : {$500.00} Inaccuracies and Discrepancies Identified : Late Payment Reporting : TransUnion and XXXX incorrectly reported 30-day late payments for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These dates are entirely inaccurate as my payment history during these months was timely. 
Inconsistent Reporting : The reported " Date of Last Activity '' varies between TransUnion ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). This inconsistency demonstrates a lack of due diligence in verifying accurate account data. 
The " Date Reported '' also varies between TransUnion ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). 
Remarks and Dispute Status : TransUnion incorrectly states " Dispute resolved ; reported by grantor, '' while XXXX claims " Account was in dispute- now resolved - reported by subscriber. '' These statements are misleading and fail to address the core issue : the inaccurate late payments. 
Violations : Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i : Credit reporting agencies are required to ensure the accuracy of information in consumer files and must conduct reasonable investigations upon notification of a dispute. TransUnion and XXXX have failed to meet this obligation by not correcting the inaccuracies after my previous disputes. 
15 USC 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. This has not been upheld in my case.

Truth in Lending Act ( TILA ) : 15 USC 1666b : Creditors must provide timely and accurate statements to consumers. The late payment reporting suggests a failure to comply with this requirement. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to ensure timely and accurate reporting. The continued inaccuracies demonstrate negligence and harm to consumers like me.

Impact of Inaccuracies : These erroneous late payments have severely damaged my creditworthiness, leading to higher interest rates and limited access to credit. Additionally, the failure to correct these errors has caused undue stress and financial harm. 
Requested Resolution : Immediate removal of all incorrect late payment notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
Written confirmation from TransUnion and XXXX that the inaccuracies have been corrected. 
Assurance that all procedures will be followed in compliance with the FCRA, TILA, and other relevant laws moving forward.

Should this issue remain unresolved, I am prepared to escalate my complaint to include potential legal action and further complaints to the Federal Trade Commission ( FTC ) and other regulatory agencies. Additionally, I request your office to take appropriate enforcement action to ensure compliance by the credit reporting agencies.

Thank you for your prompt attention to this matter. I trust that the CFPB will take the necessary steps to hold the responsible parties accountable and ensure the protection of consumer rights. 
Sincerely, XXXX XXXX XXXX