Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint for Failing to Correct Inaccurate Late Payment Reporting Account # XXXX To Whom It May Concern, I am filing this formal complaint against XXXX XXXX XXXX, and TransUnion for their failure to correct inaccurate and misleading information regarding late payments reported on my credit reports for the account held with XXXX ( Account # XXXX ). Despite multiple disputes submitted on XX/XX/XXXX and XX/XX/XXXX, no meaningful action has been taken to resolve these discrepancies. This negligence violates the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and other consumer protection laws. 
Account Information and Discrepancies : Account Number : XXXX Creditor Name : XXXX High Balance : {$27000.00} Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX XXXX Account Status : Closed Payment Status : Late 30 Days Payment History Errors : XXXX XXXX Late payments reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX and TransUnion XXXX Late payments reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These discrepancies highlight inaccurate reporting that has harmed my creditworthiness. Additionally, the lack of consistency between the credit bureaus further demonstrates a failure to ensure accuracy as required by the FCRA. 
Violations of Federal Law : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i requires credit reporting agencies to conduct reasonable investigations of disputed information. Despite my previous disputes, no meaningful investigation has been conducted.

15 U.S. Code 1681e ( b ) mandates that consumer reporting agencies maintain maximum possible accuracy in credit files, which has been neglected.

Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b obligates creditors to send periodic statements at least 21 days before the due date. The inaccurate late payment reporting suggests non-compliance with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the obligation of creditors to provide accurate and timely statements to avoid unfair penalties to consumers. The reporting of inaccurate late payments violates this principle. 
Evidence Supporting My Dispute : My account was fully paid and closed on XX/XX/XXXX as per TransUnion records. 
The balance owed is reported as {$0.00} across all three credit bureaus, confirming no outstanding obligations. 
Despite the account being marked as " Closed '' or " Paid, '' late payments have been inaccurately recorded for multiple months. 
Desired Resolution : Immediate removal of all inaccurate late payment notations from my credit report with XXXX, XXXX, and TransUnion. 
Written confirmation from each bureau confirming the corrections made to my credit file. 
If this issue is not resolved promptly, I will escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action to protect my rights under the FCRA. 
Please provide a detailed response and resolution within 15 business days from the receipt of this letter. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX