Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Immediate Action Required : Gross Negligence in Reporting Inaccurate Late Payments on XXXXXXXX XXXX Account Dear CFPB, I am compelled to file this complaint against TransUnion and XXXX for their blatant and repeated failure to correct inaccurate information regarding late payments reported on my credit report for the XXXXXXXX XXXX account ( Account # XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXXXXXX XXXX XXXX XXXX  ), my concerns have been completely disregarded. This negligence represents a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), and it reflects a troubling disregard for consumer rights. Nothing has changed since my last dispute, which demonstrates a complete lack of accountability on the part of these agencies. 
Account Details : Account Number : XXXX High Balance : {$3100.00} Credit Limit : {$2300.00} Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Account Status : Closed Payment Status : Current Reported Discrepancies and Errors : Late Payment Reporting : Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
TransUnion : Reports multiple 30-day and 60-day late payments in XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX despite the account being reported as closed and current. 
XXXX : Also reports 30-day and 60-day late payments for the same months, which conflicts with the account status as paid and closed. 
XXXX : No late payments reported, showing inconsistencies between the bureaus. 
Last Verified Dates : TransUnion : Last verified on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX : No verification or reporting provided. 
Account Remarks : TransUnion : " Canceled by credit grantor. '' XXXX : " Account has been closed due to inactivity. '' Payment History Discrepancies : TransUnion and XXXX show inconsistencies in reported late payments that conflict with the " current '' payment status and {$0.00} balance. 
XXXX does not report any payment history, indicating incomplete data. 
Violations : FCRA Violations : Per 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of consumer file information and investigate disputes promptly. The failure to address my disputes is a flagrant breach of this mandate. 
The inconsistent reporting across credit bureaus demonstrates gross negligence in maintaining accurate records. 
TILA Violations : As per 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting is clear evidence of non-compliance. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : Creditors must provide timely and accurate statements to prevent unfair penalties to consumers. The inaccurate reporting on this account directly violates this obligation. 
Immediate Demands : Complete and Immediate Removal : All inaccurate late payment notations for the XXXXXXXX XXXX account must be removed from my credit report without further delay. 
Written Confirmation : TransUnion, XXXX, and XXXX must provide written confirmation of the corrections made. 
Accountability and Assurance : I demand a guarantee that this negligence will not harm my creditworthiness in the future. 
Failure to address this matter promptly will result in escalating my complaint further, including initiating legal action and filing additional complaints with other relevant agencies. The harm caused to my creditworthiness and financial standing due to this repeated negligence is entirely unacceptable, and I will not hesitate to take all necessary measures to hold these agencies accountable. 
Thank you for your immediate attention to this matter. I expect a resolution without further delay. 
Sincerely, XXXX XXXX XXXX XXXX