Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Third Dispute Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the following account : Creditor : XXXX XXXX  Account Number : XXXX High Balance : {$32000.00} Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Last Verified : XX/XX/XXXX Late Payment Reported : XX/XX/XXXX Account Status : Closed Account Type : Installment Account This is my third attempt to resolve this matter, following disputes submitted on XX/XX/XXXX and XX/XX/XXXX. Despite these prior disputes, the late payment reported for XX/XX/XXXX has not been corrected, in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations 15 U.S.C. 1681i : Credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. The continued presence of this inaccurate reporting indicates that TransUnion has failed to meet its legal obligation.

15 U.S.C. 1681a ( c ) : The information provided in my consumer report must be accurate and complete. The late payment for XX/XX/XXXX does not reflect the actual payment history for this account. 
15 U.S.C. 1681a ( c ) ( 2 ) ( A ) : My consumer report should not include false or inaccurate information regarding transactions or experiences between me and the creditor.

TILA Violations 15 U.S.C. 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. Failure to meet this requirement may have contributed to the erroneous reporting.

15 U.S.C. 1637 ( b ) : Periodic statements must accurately disclose payment obligations and account status. The reported late payment is inconsistent with these requirements. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act emphasizes the importance of timely and accurate statements to prevent undue penalties for consumers. The reporting of a late payment for XX/XX/XXXX directly contradicts the provisions of this act and has caused harm to my creditworthiness. 
Evidence of Inaccuracy My payment history for XX/XX/XXXX does not support the reported late payment. The two-year payment history in my TransUnion credit report indicates consistent on-time payments except for the erroneous late payment notation in XX/XX/XXXX. This false late payment misrepresents my financial behavior and negatively impacts my creditworthiness.

Requested Resolution Immediate removal of the XX/XX/XXXX late payment notation from my TransUnion credit report. 
Written confirmation of the correction and a description of the investigation process, as required by 15 U.S.C. 1681i ( 7 ).

If the late payment is not corrected, proof validating the claim, including specific dates, amounts, and any relevant communication supporting the reported late payment. 
Legal Expectations Per the FCRA, I expect a resolution and written response within 30 days of receipt of this letter. Failure to comply with these obligations will be considered a violation of federal law and will leave me no choice but to escalate this complaint further by filing with the Consumer Financial Protection Bureau ( CFPB ) and exploring legal action. 
Conclusion I trust that TransUnion will address this matter promptly and ensure that my credit report reflects accurate information, in compliance with federal laws and regulations. Your cooperation is essential in resolving this issue. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX