Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Request for Reinvestigation of Inaccurate Reporting of Late Payment by XXXX XXXX XXXXXXXX, XXXX, and TransUnion Dear CFPB, I am filing this formal dispute and request for reinvestigation regarding the inaccurate and inconsistent reporting of a late payment allegedly associated with my XXXX XXXX XXXXXXXX account in XX/XX/year>. Despite repeated efforts to communicate with XXXX XXXX  XXXX and the credit bureaus, my concerns have been ignored, neglected, and inadequately addressed. 

This issue has caused significant financial hardship and stems directly from XXXX XXXX XXXXXXXX violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ). I have consistently informed the institution of these federal violations, yet no corrective action has been taken. 

Details of Dispute 1. **Repeated Communications Ignored** : I have reminded XXXX XXXX XXXXXXXX on multiple occasions that this situation constitutes a billing error under federal law, yet my disputes have been neglected and dismissed. 
2. **Evidence Provided** : I submitted bank statements and a no-fault letter from a third party demonstrating the late payment was not my responsibility. These were disregarded in the dispute process.

3. **Inconsistent Reporting** : The alleged late payment alternates between XXXXXXXX XXXX XXXX XXXX  across credit bureaus. XXXX has removed it due to its inaccuracies, yet XXXX and TransUnion continue to report it. 
4. **Violation of Billing Statement Requirements** : I did not receive a billing statement at least 21 days before the payment due date, as required by law. 

Violations of Federal Law 1. **Fair Credit Reporting Act ( FCRA ) ** - **15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Reasonable Reinvestigation Requirement** XXXX and TransUnion failed to conduct a reasonable reinvestigation of the disputed information. 
- XXXX*15 U.S. Code 1681i ( a ) ( 6 ) ( B ) : Disclosure of Investigation Results** I have not received documentation explaining how the late payment was " verified. '' - **15 U.S. Code 1681s-2 ( a ) : Responsibilities of Furnishers of Information*XXXX XXXX XXXX  XXXX did not accurately investigatXXXX or correct the reporting errors. 

2. **Fair Debt Collection Practices Act ( FDCPA ) ** - **15 U.S. Code 1692e : False or Misleading Representations** The inconsistent reporting of the late payment is misleading and inaccurate. 

3. **Truth in Lending Act ( TILA ) ** - **15 U.S.C. 1666b ( a ) : Timing of Payments** XXXX XXXX  XXXX failed to mail or deliver a billing statement at least 21 days before the payment due date. 
- **15 U.S.C. 1666b ( b ) : Grace Period** Any applicable grace period was improperly handled due to the institutions failure to deliver accurate billing information.

My Requests 1. **Formal Reinvestigation** Conduct a formal reinvestigation of the disputed late payment, ensuring compliance with federal laws. 
2. **Investigation Documentation** Provide all documentation and procedures used by XXXX XXXX XXXXXXXX XXXX XXXX, and TransUnion to XXXX verify '' the late payment. This includes details on how shifting dates ( XXXX XXXX XXXX XXXX XXXXere determined and why the evidence I provided was dismissed. 
3. **Correction of Inaccurate Reporting** Remove the inaccurate late payment from my credit report. 
4. **Acknowledgment of Neglect** Address how my repeated communications regarding this billing error and violations of federal law were ignored, causing unnecessary financial hardship. 
5. **Resolution Confirmation** Notify me in writing when the dispute is resolved, including updated and accurate copies of my credit reports. 

The repeated disregard for my concerns and the neglect of my rights have caused unnecessary stress and financial difficulty. I expect prompt action to resolve this matter and a full acknowledgment of the institution 's violations. 

Thank you for your immediate attention to this dispute.