Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding inaccurate information on my credit report provided by Transunion I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. 

Inaccuracy # XXXX : XXXX Account XXXX : XXXX Description : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Inaccuracy # XXXX : XXXX  XXXX Account XXXX Description : This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 


Inaccuracy # XXXX : Account Number : [ Account XXXX ] Description : [ Briefly explain the inaccuracy and why it is incorrect. ] Inaccuracy # XXXX : XXXX XXXX Account XXXX : XXXX Description : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Inaccuracy # XXXX : XXXX XXXX Account Number : XXXX Description : I was never late on this account. I have made all my payments on time. 

Inaccuracy # XXXX : XXXX Account XXXX : XXXX Description : This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Inaccuracy # XXXX : XXXX Account XXXX : XXXX Description : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Inaccuracy # XXXX : XXXX XXXX Account Number : XXXX Description : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 


Inaccuracy # XXXX : XXXX Account XXXX : XXXX Description : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 


Inaccuracy # XXXX : XXXX XXXX  Account Number : XXXX Description : This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Inaccuracy # XXXX : XXXX XXXX  Account Number : XXXX Description : This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 



I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. However, the agency has not provided satisfactory responses or corrected the inaccuracies. 
This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies. 
2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts. 
3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting. 
4. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs. 

I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my credit score and financial well-being.