Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting on XXXX XXXX Account Dear CFPB, I am filing a complaint against XXXX, XXXX, and TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXXXXXX account ( Account Number : XXXX ). Despite multiple requests for correction through letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, my requests have been ignored, and no changes have been made to the account information. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Details : High Balance : {$660.00} ( TransUnion and XXXX ), {$500.00} ( XXXX ) Last Verified : XX/XX/XXXX ( TransUnion ), [ Not Verified - XXXX  ], [ Not Verified - XXXX ] Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX and XXXX ) Date Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX and XXXX ) Balance Owed : {$0.00} Closed Date : XX/XX/XXXX ( TransUnion ) Account Status : Closed ( All Bureaus ) Payment Status : Current ( All Bureaus ) Credit Limit : {$500.00} Discrepancies : Inconsistent Reporting of Late Payments : XXXX incorrectly reports late payments for XX/XX/XXXX ( 30 days late ) and XX/XX/XXXX ( 60 days late ). 
TransUnion and XXXX incorrectly report late payments for XX/XX/XXXX ( 30 days late ) and XX/XX/XXXX ( 60 days late ). 
These discrepancies are in direct violation of the accuracy requirements stipulated in 15 U.S. Code 1681e ( b ).

Unresolved Disputes : Despite my disputes dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the account remains unchanged, and the errors persist. The account is listed as " Account not disputed '' across all three bureaus, which is inaccurate and misleading. 
Inconsistent High Balance Reporting : TransUnion and XXXX : {$660.00} XXXX : {$500.00} Inconsistent " Date Reported '' Across Bureaus : TransUnion and XXXX list the report date as XX/XX/XXXX, while XXXX reports XX/XX/XXXX. 
Legal Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The discrepancies and unresolved disputes reflect a failure to comply with this obligation.

Truth in Lending Act ( TILA ) : Under 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 suggests a failure to meet this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditors ' responsibility to provide timely and accurate statements, preventing undue penalties.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report for XXXX, XXXX, and XX/XX/XXXX. 
Written confirmation from each credit bureau that the corrections have been made. 
If this issue is not resolved promptly, I will escalate my complaint further, including legal action and filing additional complaints with the Federal Trade Commission ( FTC ) and relevant consumer protection agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX