Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against XXXX, XXXX, and TransUnion Regarding XXXX Account Discrepancies and Inaccurate Late Payment Reporting Dear CFPB, I am writing to formally file a complaint against XXXX, XXXX, and TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account with account number XXXX. Despite multiple requests for correction, including disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no changes have been made to address the inaccuracies. This negligence violates federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and other relevant laws. 
Account Details and Discrepancies : Account Information : Account Number : XXXX High Balance : {$2600.00} ( TransUnion and XXXX ), {$0.00} ( XXXX XXXX Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX XXXX Account Status : Closed ( TransUnion and XXXX ), Open ( XXXX XXXX Payment Status : Current ( all bureaus ) Two-Year Payment History : XXXX : XXXX late payment reported in XX/XX/XXXX TransUnion and XXXX : XXXX XXXX payment XXXX XX/XX/XXXX, and XXXX, XXXX, and XXXX late payments in XXXX, XXXX, and XX/XX/XXXX, respectively. 
Errors and Inconsistencies : Late Payment Reporting : The account shows no balance owed and has been marked as current, yet late payments have been inaccurately reported for XX/XX/XXXX and throughout XXXX. 
Account Status Discrepancies : TransUnion and XXXX report the account as closed, while XXXX incorrectly lists it as open. 
High Balance Variations : The high balance is reported as {$2600.00} by TransUnion and XXXX but {$0.00} by XXXX, reflecting an inconsistency in reporting standards. 
Creditor Remarks : XXXX notes Consumer disputes - reinvestigation in progress, yet no substantive corrections have been made. 
Legal Violations : FCRA Violations : XXXX XXXX XXXX XXXX : Mandates credit reporting agencies to ensure the accuracy of consumer file information. The discrepancies highlighted above demonstrate a failure to meet this standard. 
XXXX XXXX XXXX XXXX : Protects consumers from unauthorized or inaccurate disclosures of credit information, which has occurred in this case through inconsistent reporting. 
TILA Violations : XXXX XXXX XXXX XXXX : Requires creditors to send periodic statements at least 21 days before payment due dates. The inaccurate reporting suggests non-compliance, as I did not receive appropriate notifications. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the necessity for creditors to provide timely and accurate statements to prevent undue penalties. The erroneous late payments contradict this provision. 
Requested Resolution : I am formally requesting the following : Immediate removal of all inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
Written confirmation from XXXX, XXXX, and TransUnion, as well as XXXX, that these inaccuracies have been corrected. 
A detailed explanation of why my prior disputes, submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, were not adequately addressed, despite the evidence provided. 
If this issue is not resolved promptly, I will escalate my complaint further by filing additional complaints with relevant regulatory agencies and considering legal action to protect my consumer rights. 
Thank you for your immediate attention to this matter. Please confirm receipt of this complaint and inform me of the next steps at your earliest convenience. 
Sincerely, XXXX XXXX XXXX XXXX