Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : CFPB Late Payment Removal - Final Request Dear CFPB Representative, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account # XXXX. Despite multiple written requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, constituting a violation of multiple federal statutes, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Violations Committed : Fair Credit Reporting Act ( FCRA ) Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The continued reporting of this inaccurate late payment demonstrates a failure to comply with this requirement.

15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of consumer credit files. In my case, this obligation has not been upheld.

15 U.S. Code 1681e ( b ) requires that consumer reporting agencies maintain reasonable procedures to assure maximum possible accuracy in credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) states that certain transactions and experiences should not be considered part of a consumer report if they do not meet specific criteria.

Truth in Lending Act ( TILA ) Violations : The TILA emphasizes the necessity of accurate and timely disclosures to consumers. The wrongful reporting of a late payment has damaged my creditworthiness, causing undue financial harm.

Gramm-Leach-Bliley Act ( GLBA ) Violations : 15 U.S. Code 6801, 15 U.S. Code 6802, and 15 U.S. Code 6803 require financial institutions to protect consumer privacy and ensure the accuracy of financial reporting. The mishandling of my credit information suggests a failure to meet these obligations.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act holds creditors accountable for providing timely statements and preventing unfair penalties. The continued presence of this late payment on my report contradicts this protection.

Identity Fraud and Misreporting - 18 U.S. Code 1028A : The continued reporting of false information could be classified as a misrepresentation of identity or fraudulent reporting, which carries legal consequences under federal law. 
Formal Request for Correction : I formally demand the immediate removal of the inaccurate late payment notation from my credit report. 
If this issue is not resolved immediately, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have always been met, and the account in question must reflect the status of " Paid As Agreed, Never Late. '' I request documented proof supporting the claim of late payments, including : Dates, amounts, and all communication records indicating that the payments were actually late.

In the absence of valid proof, I expect an immediate correction of my credit report.

If, after investigation, you fail to provide verifiable proof of late payments, I demand that the account be updated immediately to reflect its accurate status as " Paid As Agreed, Never Late. '' Per the FCRA, I expect a timely investigation and a written response within 30 days from the receipt of this dispute letter. Failure to comply will be considered a direct violation of multiple federal laws. 

Identified Errors and Discrepancies : Missing Reporting from XXXX and XXXX : XXXX and XXXX do not report this account at all, meaning there is a lack of consistency among credit bureaus. 
This discrepancy suggests reporting errors or an issue with how the furnisher provides data. 
Account Marked as " Paid or Paying as Agreed '' but Shows Late Payment : The Payment Status states : " Paid or paying as agreed '', which contradicts the late payment notation in XX/XX/XXXX ( XXXX late ). 
If the account was paid as agreed, there should be no late payments. 
Last Verified Date and Reporting Date Are the Same ( 1/25/2024 ) : This suggests that the account XXXX not have been properly reinvestigated under FCRA Section 611, as required when a consumer disputes an inaccuracy.

Balance Owed Shows {$0.00}, but Late Payment is Reported : If the Balance Owed is {$0.00}, it implies the account was paid off and there should be no delinquency or late payment. 
Closed Date is XX/XX/XXXX, but Late Payment Was Reported in XX/XX/XXXX : The account was closed, which raises questions about whether the late payment was valid or incorrectly added after closure. 
Creditor Type : XXXX XXXX XXXX XXXX XXXX, but No Dispute Status : The account is not marked as disputed, even though it contains an incorrect late payment. Under FCRA 623 ( a ) ( 3 ), the furnisher must mark disputed accounts, which it failed to do. 
Term Length ( 24 Months ) Suggests Account Was Closed on Time : The account was a fixed-term loan ( XXXX installment account ), meaning that if payments were made properly, there should be no late payments. 
Only XXXX Late Payment Reported ( XX/XX/XXXX ), Making It a Likely Reporting Error : All other months are marked as " OK '', except for XXXX single late payment ( 30 days past due in XX/XX/XXXX ). 
This is a strong indication of a reporting mistake rather than an actual late payment history. 
Resolution Requested : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
Acknowledgment of compliance with federal laws. 
I trust that you will promptly rectify this issue and ensure my credit report reflects accurate information. Thank you for your immediate attention to this serious matter. 
Sincerely, XXXX XXXX XXXX