Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Inaccurate Late Payment Reporting Under the FCRA ( 15 U.S.C. 1681 ) Dear TransUnion I am writing to formally dispute an inaccurately reported late payment on my credit report associated with the accounts Below ACCOUNTS DISPUTED. 
XXXX. XXXX XXXX- the payment due on XX/XX/XXXX was made on time and the reporting resulted from an internal error XXXX XXXX XXXX XXXX XXXX XXXX - the payment on XX/XX/XXXX was made on time and the reporting resulted from an internal error XXXX. XXXX XXXX {$710.00} Balance ( Closed ) Not my account. Account fraudulently opened. 
XXXX. XXXX XXXX {$610.00} Balance ( Closed ) Not my account. Account fraudulently opened. 
XXXX. XXXX - the payment due on XXXX and XX/XX/XXXX was made on time and the reporting resulted from an internal error. Please delete XXXX. XXXX XXXX- the payment due on XXXX XXXXwas made on time and the reporting resulted from an internal error. Please delete. 
XXXX. XXXX All dates on the account from XXXX Show unknow payment history. This account was paid and in full but does not show monthly payment reported XXXX. XXXX XXXX XXXX - XXXX Account reporting multiple discrepancies. Showing No data for XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX was never late, no data for XX/XX/XXXX. From XX/XX/XXXX XX/XX/XXXX. There are no payments reported. These are all inaccurate since I paid for my note on those dates. Please remove the account. Secondly the creditor agreed to deletion upon settlement. 
XXXX. OFFICE OF THE ATTY GENER - XXXX - Account reporting multiple discrepancies. There is NO DATA reported for XXXX and XX/XX/XXXX. XXXX XXXX XX/XX/XXXX Shows no Data. This is inaccurate. I was paying for child support. 
XXXX XXXX and XXXX XXXX  30 day late is inaccurate. XXXX XXXX XXXX late payment is inaccurate. Multiple discrepancies. Please remove and delete. 
XXXX. Collections : XXXX XXXX XXXX No knowledge of account. This is identioty theft. Please delete Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to report only accurate and verifiable information. Specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Credit bureaus must conduct a reasonable reinvestigation of disputed information if a consumer notifies them of an inaccuracy.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If disputed information can not be verified, it must be deleted from the consumers credit file.

15 U.S.C. 1681e ( b ) : Credit bureaus must maintain procedures to ensure maximum possible accuracy of the information they report.

Requested Action Given that this late payment has been reported in error, I formally request that you : 1. Investigate this dispute and contact the creditor to verify the accuracy of the reported late payment.

2. Correct or delete the inaccurate late payment entry from my credit report if it can not be verified.

3. Provide me with written confirmation of the results of your investigation.

As required by FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), this reinvestigation must be completed within 30 days of receiving this dispute.

I have enclosed [ list enclosed documents, such as payment receipts, bank statements, or correspondence ] to support my claim. Please update my file accordingly and send me an updated credit report reflecting the corrected information.

If this matter is not resolved properly, I am prepared to escalate this dispute by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as considering legal action under 15 U.S.C. 1681n and 1681o. 
Issue : XXXX  XXXX bankruptcy : Bankruptcy The bankruptcy, filed on XX/XX/XXXX, is being inaccurately reported by [ Credit Bureau Name ]. Under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to conduct a reasonable reinvestigation of disputed information. However, despite my formal dispute, they failed to provide proper verification and continue reporting the inaccurate entry.

Violations : 1. FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy in credit reporting.

2. FCRA 1681i ( a ) ( 5 ) : Failure to delete disputed information that can not be verified.

3. FCRA 1681s-2 ( b ) : Furnishers failure to conduct a proper investigation upon notice of a dispute.

I request the CFPB to investigate this matter and direct [ Credit Bureau Name ] to either verify the bankruptcy with a certified court record or delete it from my credit report immediately as required by law.