Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Failure to Remove Inaccurate Late Payment Reporting Dear CFPB, I am writing to file a formal complaint against TransUnion and XXXX for their repeated and willful failure to correct inaccurate late payment information on my credit report for the account identified as XXXX ( Account Numbers : XXXX and XXXX ). Despite my previous disputes, dated XX/XX/XXXX, and XX/XX/XXXX, no corrections have been made, and the erroneous late payment for XX/XX/XXXX remains on my credit report. 
Background and Inaccuracy The account in question is a secured installment loan that was closed and paid in full as of XX/XX/XXXX. However, TransUnion and XXXX continue to report an inaccurate XXXX late payment for XX/XX/XXXX, despite clear documentation provided during my earlier disputes proving that no payment was late. 
XXXX has already resolved this issue and removed the erroneous late payment reporting, further demonstrating that TransUnion and XXXX refusal to take corrective action is baseless and unjustifiable. 
Violations of Federal Law The actions of TransUnion and XXXX violate multiple provisions of federal law, including but not limited to : Failure to Investigate Disputes ( 15 USC 1681i ) Both credit bureaus have failed to conduct a reasonable investigation into my disputes, as required by the Fair Credit Reporting Act ( FCRA ).

Failure to Ensure Maximum Accuracy ( 15 USC 1681e ( b ) ) By continuing to report false information, TransUnion and XXXX have failed to meet their obligation to ensure maximum possible accuracy in consumer reports.

Harm Under the Truth in Lending Act ( TILA 15 USC 1666b ) The reported late payment raises concerns about the creditors failure to send proper billing statements within the required timeframe. This is a violation of TILA and has caused unwarranted harm to my credit profile. 
Negligent and Willful Non-Compliance After XXXX disputes, this continued inaccuracy demonstrates a complete disregard for my rights under the FCRA and constitutes willful non-compliance with federal consumer protection laws. 
Harm and Consequences The inaccurate late payment notation for XX/XX/XXXX has negatively impacted my XXXX XXXX, leading to unnecessary stress, rejection for credit opportunities, and financial harm due to higher interest rates and diminished access to financial products. 
Final Demand for Resolution I am formally requesting the following : Immediate removal of the XX/XX/XXXX late payment notation from my credit reports with TransUnion and XXXX. 
A written confirmation from both credit bureaus acknowledging the correction and confirming that this inaccurate information will not reappear on my credit report. 
If this matter is not resolved promptly, I will escalate my complaint further, including but not limited to : Filing additional complaints with federal and state regulatory agencies. 
Seeking legal action for willful non-compliance with the FCRA and TILA.

Pursuing damages for financial and emotional harm caused by this negligence. 
This letter represents my final attempt to resolve this issue amicably. I demand full resolution and written confirmation within 15 days from the date of receipt of this complaint. Failure to comply will leave me with no option but to take further legal and regulatory actions. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX