Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am writing to formally dispute the inaccurate late payment information reported on my credit report for my account with XXXX  Account Number : XXXX. Despite multiple requests for correction through dispute letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no resolution has been made. This constitutes a violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ).

FCRA Violations 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the maximum possible accuracy of information in consumer files. The persistence of incorrect late payments for XX/XX/XXXX and XX/XX/XXXX on TransUnion demonstrates non-compliance with this mandate.

15 U.S. Code 1681e ( b ) : This provision obligates credit bureaus to adopt reasonable procedures to maintain the accuracy of credit file information. The inaccuracies on my report suggest a failure to uphold this standard.

15 U.S. Code 1681c : Accounts closed with a {$0.00} balance must not include derogatory notations unless accurate. TransUnion reports this account as closed yet inaccurately marks it with late payments.

TILA Violations 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The late payment notations are inconsistent with my payment records, suggesting non-compliance with this requirement.

The Truth in Lending Act also emphasizes the necessity of accurate and timely disclosures, which have not been upheld in my case, causing harm to my creditworthiness and financial standing.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties on consumers. The inaccurate late payment reports for XX/XX/XXXX and XX/XX/XXXX violate this act, as these late payments were incorrectly recorded and not reflective of my payment history. 
Evidence of Error Account Details : Account Number : XXXX Account Type : Installment Unsecured Loan Monthly Payment : {$0.00} Balance : {$0.00} Open Date : XX/XX/XXXX ( TransUnion ) ; XX/XX/XXXX ( XXXX ) Payment Status : Current Last Reported : XX/XX/XXXX ( TransUnion ) ; XX/XX/XXXX ( XXXX ) Comments : Closed ( TransUnion XXXX Two-Year Payment History : TransUnion : XXXX XXXX payments noted for XX/XX/XXXX and XX/XX/XXXX despite being marked as closed. 
XXXX : Account is marked as current with no late payments. 
XXXX : No data reported for late payments. 
Desired Resolution Immediate removal of the inaccurate late payment notations for XX/XX/XXXX and XX/XX/XXXX from my credit report with TransUnion. 
Correction of the account status on TransUnion to reflect accurate reporting consistent with XXXX and XXXX. 
Written confirmation of the correction. 
Failure to resolve this matter will leave me no choice but to escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action under the provisions of FCRA, TILA, and PAANL. 
Please address this issue promptly and confirm the resolution in writing. 
Sincerely, XXXX XXXX XXXX