Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ) : I am filing this complaint against XXXX ( the creditor/furnisher ) and TransUnion ( the credit reporting agency ) regarding erratic and inconsistent reporting of my payment history for an account, which has caused significant financial and emotional harm. Despite no material changes to my account, the reported payment history has been altered multiple times in recent months, resulting in a substantial and unfair negative impact on my credit score. These changes reflect violations of the Fair Credit Reporting Act ( FCRA ) and a failure by both the creditor and the credit reporting agency to ensure the accuracy of the information furnished. 

Key Issues and Violations 1. Erratic and Inconsistent Payment History Updates : My payment history for the XXXX account has been updated and altered multiple times over a short period, as follows : XX/XX/XXXX : Payment history was changed, significantly altering late payment statuses for key months ( e.g., XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These changes reflected a positive correction to some entries. 
XX/XX/XXXX : Payment history was updated again, altering the reporting for prior months and resulting in further confusion about the accuracy of the reported data. 
XX/XX/XXXX : Payment history was altered once more, introducing new late payments for months that had previously been corrected, including 90 Days Late for XX/XX/XXXX and Payment After Charge-Off or Collection for XX/XX/XXXX. 
These repeated updates suggest gross negligence or intentional misreporting by XXXX or TransUnion. The FCRA requires both furnishers and credit reporting agencies to maintain accurate and consistent reporting under 15 U.S.C. 1681e ( b ).

2. Failure to Ensure Accuracy of Information ( FCRA, 15 U.S.C. 1681e ( b ) ) : XXXX, as the furnisher, has repeatedly altered my payment history for the same account without explanation or evidence of accuracy. 
TransUnion, as the credit reporting agency, has failed to verify the accuracy of the information before including it in my credit report. 
Case Law : In XXXX v. XXXX, XXXX ( XXXX ), the court ruled that credit reporting agencies and furnishers must ensure that the information they report is accurate and not misleading, even if technically accurate. 

XXXX. Negligent or Willful Misreporting ( FCRA, 15 U.S.C. 1681n and 1681o ) : The erratic changes to my payment history and the lack of proper investigation suggest either negligence or intentional efforts to maintain negative reporting. 
These actions have directly harmed my credit score, as demonstrated by the following : A XXXXpoint decrease on XX/XX/XXXX. 
A XXXXpoint decrease on XX/XX/XXXX, despite positive updates. 
A XXXXpoint decrease on XX/XX/XXXX, following a mix of positive and negative updates. 
This pattern of reporting changes reflects willful noncompliance, entitling me to statutory and actual damages for the harm caused. 

XXXX. Failure to Notify of Disputed Status ( FCRA, 15 U.S.C. 1681c ( f ) ) : If XXXX or TransUnion claim these updates are related to an ongoing dispute or correction process, they have failed to notify me or mark the account as disputed on my credit report. This failure violates the FCRA and deprives me of the protections provided to consumers during disputes. 

XXXX. Emotional and Financial Harm : These inaccuracies and fluctuations have caused significant emotional distress and financial harm, including : Denial of credit applications due to the sudden and unexplained drops in my credit score. 
XXXX  and frustration caused by the lack of transparency and accountability from XXXX and TransUnion.