Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Late Payment Disputes I am disputing and challenging ALL late payments on my consumer report due to their inaccuracies and illegalities, but more so because they are violating and breaking several Federal and State Laws. 

Furthermore, placing them on my ( OUR ) consumer report stems from decades of unfair credit reporting methods and practices, which erodes public confidence. More importantly, it intrudes on my privacy and yields adverse effects, in addition to violating several laws by : Federal Trade Commission ( FTC ) Law, Consumer Financial Protection Bureau ( CFPB ) Law, the Fair Credit Reporting Act ( FCRA ) Law, FACTA ( Fair and Accurate Credit Transactions Act ) Law, Regulation V Law, Gramm-Leach-Bliley Act Law, Fair Debt Collection Practices Act ( FDCPA ) Law, etc. 


According to the laws passed by the United States Congress, late payments are illegal : 15 USC 1681a ( 2 ) ( 1 ) exclusions. 

Source : XXXX XXXX XXXX ... .a consumer report does not include transactions or experiences ( late payments, payment history, credit card use, credit utilization, hard inquiries, etc )... 

Since it is clear according to the law that a Consumer Report does not include late payments, payment history, credit card use, credit utilization, hard inquiries, etc ), why then do you ( TransUnion ) and others include them ( late payments, payment history, credit card use, credit utilization, hard inquiries, etc ) on our Consumer Reports? This defies logic and is illegal. These are the types of decades of unfair credit reporting methods and practices, which I/WE am/are talking about! 

You have been using this to hold people back economically for decades and it is extremely unfair! 

Legally the words, " Late Payments '' do not exist. 

Hence, legally, there is no such phrase as a " XXXX XXXX '' under 15 USC 1681a ( 2 ) ( 1 ). 

Just as XXXX is not a XXXX XXXX XXXX. They are a technology company ..... 

XXXX is not law or a XXXX XXXX XXXX, as some companies make us think. It is simply an industry standard that is widely used. 


Nothing in 15 USC 1681d ( 1 ) ( a to c ) says a Consumer Report is based on a FICO Score. 

However, the law also states that, a creditor may treat a payment as late, ONLY and ONLY if they can prove/do certain things : - XXXX. That the Creditor ( financial institution ) mailed out periodic statements to me 21 days before the payment due date. 

2. Followed and adhered to 15 USC 1637b in its entirety. 

Source : https : XXXX XXXX. Followed and adhered to 15 USC 1666b in its entirety. 

Source : https : XXXX For information to be on my Consumer Report, did you ( TransUnion and those Creditors ) do what the law requires? NO! 


In fairness and according to the FCRA, TransUnion must validate and send me proof that the Creditor ( financial institutions ) mailed you ( TransUnion ) and me the periodic statements before 21 days of the payment due date ; adhered to EVERYTHING listed under 15 USC 1637b, 15 USC 1666b, etc. 


This was NEVER done, so the alleged late payments can not and can never be treated as late. 


So, you ( TransUnion ) must change all stated late payments on my Consumer Report to : CURRENT, PAID AS AGREED or OKAY. 

You ( TransUnion ) do not have the information above to substantiate all the alleged late payments, which you placed on my Consumer Report. Hence, there is NO late payment and you must change all stated late payments and all references to being late and all lines mentioning late payments on my Consumer Report immediately to : CURRENT, PAID AS AGREED or OKAY, and send me proof of such. 

Henceforth, since a Consumer Report DOES NOT include Late Payments, why are you then including Late Payments on my Consumer Report? This makes no sense, totally illegal and subject to a fine of {$1000.00}. 

Again, Change all Late Payments on my Consumer Report to : CURRENT, PAID AS AGREED or OKAY. 


You did not follow the XXXX XXXX. 


Regulation V is a federal regulation that is intended to protect the confidential information of consumers. In particular, it aims to protect the privacy and accuracy of the information contained in consumer credit reports. 

I am filing a report with the FTC, Consumer Financial Protection Bureau ( CFPB ), the MD Attorney General and all government and regulatory organizations. 

I also have a Fraud Alert on my file due to theft and fraudulent activities with my bank card ( s ). 

I am a victim of fraud. My credit/store cards have been used to make unauthorized purchases. 

I have a permanent freeze on my credit report ( 15 U.S. Code 1681 ). 

Thank you.