Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a formal complaint against XXXX XXXX  XXXX and TransUnion for their repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Their continued inaccurate reporting has caused severe financial harm, including a XXXX drop in my credit score, the addition of a XXXX late payment on XX/XX/XXXX, and a false forbearance notation on my credit file. 
________________________________________ XXXX of the Issue XXXX. XX/XX/XXXX Late Payment Reported in Error o On XX/XX/XXXX, I spoke with a XXXX XXXX  XXXX representative, who assured me that enrolling in a payment freeze and structured payment plan due to Hurricane Beryl would not negatively affect my credit. 
o XXXX XX/XX/XXXX, another XXXX representative formally enrolled me in the agreement covering XXXX, XXXX, and XXXX. 
o I fully complied with the agreement and made all required payments. 
o Despite this, XXXX XXXX  XXXX falsely reported a late payment for XX/XX/XXXX, which caused a XXXX drop in my credit score. 

XXXX. XX/XX/XXXX TransUnion Reports a XXXX Late Payment & Incorrect Forbearance Status o On XX/XX/XXXX, TransUnion falsely reported a XXXX late payment on my mortgage account. 
o TransUnion also added a note stating that my mortgage account is in forbearancethis is false, as I was enrolled in a payment freeze and structured plan, not forbearance. 
o This false reporting is damaging my credit and misleading potential lenders. 
________________________________________ Violations Committed FCRA Violation # 1 : Failure to Accurately Report Payment History Under 15 U.S.C. 1681s-2 ( a ), XXXX XXXX  XXXX is required to furnish only accurate information to credit bureaus. Their false reporting of late payments and forbearance status is a clear violation of this provision. 
FCRA Violation # 2 : Failure to Investigate & Correct Errors Under 15 U.S.C. 1681i, TransUnion is required to investigate and correct inaccurate information within 30 days of a dispute. Despite my previous dispute, TransUnion has failed to remove the incorrect late payment and has now added additional false reporting.

FCRA Violation # 3 : Reporting a False Forbearance Status Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy in consumer reports. The false designation of my account as in forbearance is a misrepresentation that could prevent me from obtaining future credit or refinancing my mortgage. 
FCRA Violation # 4 : Willful and Negligent Noncompliance Under 15 U.S.C. 1681n & 1681o, both XXXX XXXX  XXXX and TransUnion may be held liable for willful or negligent noncompliance with the FCRA. Their repeated refusal to correct these errors is causing significant financial harm.

________________________________________ Impact of the False Reporting XXXX drop in my credit score. 
Potential credit denials due to false XXXX late payment. 
Misclassification of my mortgage as in forbearance, which may impact on my ability to refinance or obtain new credit.

Emotional and financial distress due to incorrect reporting despite my compliance with the payment arrangement. 
________________________________________ Requested Actions for Immediate Resolution To remedy this matter, I am requesting the following actions : An immediate investigation into XXXX XXXX  XXXX repeated violations of the FCRA. 
An immediate investigation into TransUnions failure to comply with the FCRA dispute process. 
Immediate removal of BOTH erroneous late payments ( XX/XX/XXXX & XX/XX/XXXX ). 
Immediate correction of my account status to REMOVE the false forbearance notation.

Written confirmation once my credit report has been corrected. 
Appropriate penalties against XXXX XXXX  XXXX and TransUnion for their reckless disregard of the law. 
________________________________________ Supporting Documentation While the FCRA does not require additional documentation for complaints, I am prepared to provide : A copy of my credit report showing both incorrect late payments and the false forbearance notation. 
Records of my conversations with XXXX XXXX  XXXX confirming my payment plan terms. 
Proof that I have disputed these errors, but TransUnion failed to take corrective action. 
________________________________________ Legal Warning and Next Steps If this matter is not resolved within 30 days, I will pursue the following actions : Filing a lawsuit against XXXX XXXX  XXXX and TransUnion under 15 U.S.C. 1681n for willful noncompliance with the FCRA.

Seeking monetary damages for harm caused by their false reporting and refusal to correct errors.

Requesting assistance from the Federal Reserve Board and HUD, which regulate mortgage lenders. 

I expect a written acknowledgment of my complaint and an update on your investigation as soon as possible. 

Thank you for your immediate attention to this matter.