Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : CFPB Late Payment Removal - Final Request Dear CFPB Representative, I am filing a formal complaint against XXXX, 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 12/12/2024 ] and 01/17/2025 ), 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 The account is reported as " Current '' across all three bureaus, yet : TransUnion reports late payments in XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. 
XXXX reports late payments in XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. 
XXXX reports late payments in XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. 
If the account is current, there should be no reported delinquencies.

Account Status is Closed & Should Not Have Late Payments The account is marked as " Closed '' across TransUnion, XXXX, and XXXX, meaning no further payments should have been due. 
Late payments should not be reported on a closed account, especially if it reflects a current status. 
XXXX Past Due Amount The balance owed is {$1100.00} ( TransUnion & XXXX ), but the past due amount is {$0.00} across all bureaus.

If there was no past due balance, then no late payments should have been reported.

Contradictory Reporting by XXXX XXXX reports late payments from XX/XX/XXXX to XX/XX/XXXX, while also marking the account as " Current '' and " Closed. '' If the account was closed and current, the reported late payments contradict the reported payment status. 
Dispute Status Not Updated XXXX indicates that the account was previously disputed ( " Customer disputed account - reported by subscriber '' ), but the issue remains unresolved. 
If the account was previously disputed and deemed inaccurate, the late payments should have been removed. 
Payment History Confirms No Ongoing Delinquency The last payment was made on XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( XXXX ). 
Since recent payments have been recorded, this suggests the account was not delinquent, further supporting the removal of late payments. 
Reported Late Payments Are Unsupported by My Payment History The reported late payments by TransUnion, XXXX, and XXXX are not aligned with my actual payment history. 
The inconsistencies in reporting across bureaus suggest errors in data entry or processing rather than actual delinquencies.

If these late payments were valid, they should have been reported consistently, which is not the case.

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