Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Late Payments To : Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/XXXX Re : Complaint Under 15 USC 1681e ( b ), 15 USC 1681i ( 5 ), and 1637 ( b ) - Inaccurate Credit Reporting and Late Payments Dear CFPB Representative, I am writing to formally lodge a complaint against to the major credit reporting agenciesTransUnion, XXXX, and Equifaxregarding inaccurate credit reporting on my auto loan account. This complaint is filed under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681i ( 5 ), and 15 USC 1637 ( b ) of Title 15. 

XXXX. Account Information : -Account Number : XXXX -Account Type : Installment Account ( Auto Loan ) -Date Opened : XX/XX/XXXX -Monthly Payment : {$900.00} -Balance : {$39000.00} -High Credit : {$49000.00} -No. of Months ( terms ) : XXXX  Months XXXX Credit Reporting Issues : -Account Status ( TransUnion, XXXX, XXXX ) XXXX Open -Past Due Status : Reported as past due on XX/XX/XXXX -Payment Status : Reports of Paid or paying as agreed ( TransUnion ), Current XXXX was past due 30 days ( XXXX ), and Pays account as agreed ( XXXX ) -Dispute History XXXX - XX/XX/XXXX : Disputed under the Fair Credit Reporting Act - XX/XX/XXXX : Disputed under the Fair Credit Reporting Act - XX/XX/XXXX : Reported as FIXED RATE ( TransUnion ) 3. Nature of Complaint : I have identified several inaccuracies and discrepancies in the reporting of my auto loan account : 1.Inaccurate Late Payment Reporting : My account has been incorrectly reported as past due, specifically on XX/XX/XXXX. However, I have consistently made payments as agreed. This incorrect reporting affects my credit score adversely and does not reflect my true payment history. 

2.Failure to Correct Discrepancies : Despite multiple disputes filed with the credit reporting agencies, the inaccuracies have not been rectified in a timely manner. Under 15 USC 1681i ( 5 ), the agencies are required to investigate and correct inaccuracies promptly. This has not been my experience. 

3.Incorrect Payment Status Reporting : The credit reporting agencies have inconsistently reported the payment status across their platforms. For example, XXXX indicated a past due status while XXXX reported the account as paid as agreed. 

4. Request for Action : I respectfully request the CFPB to intervene and assist in resolving the following issues : 1.Immediate Correction of Inaccurate Reporting : Ensure all credit reporting agencies correct the late payment and payment status inaccuracies across their records. 

2.Review and Enforcement : Investigate whether the credit reporting agencies have adhered to their obligations under 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ) and enforce compliance where necessary.

3.Compensation for Damages : Assess the impact of these inaccuracies on my credit report and consider any appropriate remedies for the adverse effects experienced. 

5. Supporting Documentation : I have attached copies of my credit reports from TransUnion, XXXX, and XXXX, as well as documentation of previous dispute attempts for your reference. 

Thank you for your attention to this matter. I look forward to your prompt resolution and guidance on the next steps. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, PA XXXX