Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Reporting by XXXX XXXX on My Credit Report Dear TransUnion Dispute Team, I am writing to dispute the accuracy of my credit report as provided by TransUnion, specifically regarding the reporting of an account by XXXX XXXX. The inaccuracies contained in this report are causing significant concerns about the fairness, accuracy, and legality of the information being reported. These inaccuracies negatively affect my creditworthiness and could result in serious financial consequences. 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Discrepancy in Opening Dates : Reported to TransUnion XXXX XX/XX/XXXX Reported to XXXX and XXXX : XX/XX/XXXX My concerns are based on the following : Claimed Compliance with FCRA and Metro 2 Guidelines : In XXXX XXXX XXXX response, they stated that the information they provide to credit reporting agencies is only what is allowed by the Fair Credit Reporting Act ( FCRA ) and outlined in the Metro 2 guidelines. I kindly request that you require XXXX XXXX to provide documented proof to support this claim, as it is crucial to my understanding of the reporting guidelines. Furthermore, they mentioned that late payments are not considered transactions or experiences between the customer and the entities making the report. If late payments are not categorized as transactions or experiences, I request clarification on how these late payments are defined. 

Late Payments : XXXX XXXX stated that late payments are permitted to be reported if the consumer account is 30 or more days past due. To ensure accurate and legal reporting, I would appreciate it if you could request legal references and documentation to support this assertion, particularly in relation to the specific provisions of the FCRA and Metro 2 compliance. 

FCRA Violations : My dispute centers on the FCRA, specifically 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ), which explicitly states that a " consumer report '' does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report. I firmly believe that XXXX XXXX 's reporting of these transactions to my consumer report is in direct violation of the FCRA and Metro 2 compliance. 

Inconsistencies in Account Opening Dates : Inaccuracies exist in the reporting of the account opening date for my XXXX XXXX account. XXXX XXXX reported an opening date as XX/XX/XXXX to TransUnion and XX/XX/XXXX to XXXX and XXXX. These discrepancies not only contradict legal requirements but also violate 15 U.S. Code 1666b, which mandates that creditors must adopt reasonable procedures to ensure timely delivery of periodic statements to the consumer. 

Inaccurate Reporting of Transactions : XXXX XXXX 's inaccurate reporting of transactions has further exacerbated my concerns. For instance, in XX/XX/XXXX, they reported to XXXX that a payment was made on time, but it was reported as late to XXXX. Similarly, in XX/XX/XXXX, different information was reported to different credit reporting agencies. Such inconsistencies in reporting transactions violate 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), which explicitly excludes transactions between the consumer and the entity making the report from consumer reports. 

It is essential to ensure the fairness, accuracy, and legality of credit reporting, as mandated by Congress in the FCRA. The findings made by Congress emphasize the importance of fairness, impartiality, and respect for the consumer 's right to privacy in the credit reporting process.