Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas, XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : CFPB Late Payment Removal - Final Request Dear CFPB Representative, I am filing a formal complaint against XXXX and 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 XXXX/XXXX/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.

Errors and discrepancies Inconsistent Payment Status XXXX and TransUnion report the account as " Closed, '' yet both list multiple 30-day and 60-day late payments from XXXX to XX/XX/XXXX and in XXXX & XX/XX/XXXX. 
If the account was closed on XX/XX/XXXX ( TransUnion ) and the balance was {$0.00}, late payments after this date should not exist. 
XXXX does not report any late payments, further questioning the accuracy of XXXX and TransUnions data. 
XXXX XXXX & No Past Due Amount The balance owed is {$0.00} across all bureaus, and there is no past due amount, proving that no overdue balance existed at the time of the reported late payments. 
If there was no outstanding debt, the reported delinquencies are inaccurate. 
Contradictory Reporting by TransUnion TransUnion does not list late payments in the two-year payment history but still marks the account as " 30 days late '' under Payment Status.

This inconsistency suggests that TransUnions reporting is incorrect and must be updated to reflect the accurate payment history. 
Experians Incorrect Late Payments in XXXX XXXX incorrectly reports 30-day late payments in XXXX & XX/XX/XXXX, despite : The account being closed since XX/XX/XXXX A last payment recorded on XX/XX/XXXX ( which contradicts the idea of late payments prior to that date ) If a payment was made in XX/XX/XXXX, the late payments for XXXX & XX/XX/XXXX should not exist. 
XXXX Previous Corrections XXXX does not report any late payments, suggesting that it previously corrected errors in reporting that XXXX and TransUnion have yet to update. 
If XXXX already removed similar late payments, XXXX and TransUnion must correct their data as well. 
The Account Was Closed by the Creditor Due to Inactivity Experians creditor remarks confirm that the account was closed due to inactivity. 
Since the account was closed voluntarily and not due to delinquency, reporting late payments after the closure is incorrect. 
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