Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Re : Complaint for Inaccurate Late Payment Reporting on XXXX XXXX Account 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 XXXX account ( Account # XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), the inaccurate reporting remains unchanged, constituting violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information and Discrepancies : Account Details : Account Number : XXXX High Balance : {$52000.00} Balance Owed : {$22000.00} Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX and XXXX XXXX Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX XXXX Payment Amount : {$760.00} Term Length : 84 Months Account Type : Auto Loan Dispute Status : Account not disputed ( TransUnion, XXXX, XXXX XXXX Payment History Discrepancies : XXXX XXXX Reports XXXX late payments in XX/XX/XXXX and XX/XX/XXXX. 
TransUnion and XXXX : Report XXXX late payments in XX/XX/XXXX and XX/XX/XXXX. 
These discrepancies are unsupported and contradict the account 's current status as reported : Payment Status : Current ( TransUnion, XXXX, XXXX ) Account Status : Open ( TransUnion, XXXX, XXXX ) Last Payment : XX/XX/XXXX ( TransUnion, XXXX ) Legal Violations : Fair Credit Reporting Act ( FCRA ) : XXXXXXXX XXXX XXXXXXXX : Credit reporting agencies must ensure the accuracy and completeness of information included in consumer reports. The failure to correct these inaccuracies violates this statute. 
XXXX XXXX. XXXX : Reporting agencies are obligated to handle consumer information with strict accuracy and can not report inaccurate data to third parties. 
Truth in Lending Act ( XXXX ) : XXXXXXXX XXXX  XXXX : Creditors must send periodic statements at least XXXX  days before the payment due date. The late payment reporting reflects a potential failure to comply with this requirement. 
XXXX XXXX XXXX of XXXX  XXXX ( XXXX ) : Creditors are responsible for providing timely statements to consumers, ensuring they are not unfairly penalized. 
Previous Dispute Attempts : I previously disputed this inaccurate information through letters submitted to XXXX, XXXX and TransUnion on XX/XX/XXXX and XX/XX/XXXX. However, no action has been taken to resolve the issue or correct the inaccurate reporting. 
Desired Resolution : XXXX removal of the inaccurate late payment notations from my credit report. 
Written confirmation of the corrections made to my credit report. 
XXXX that all reporting agencies have received the corrected information. 
Failure to address this matter promptly will result in further action, including additional complaints to relevant agencies and potential legal action. 
Please find attached supporting documentation, including a copy of my credit report highlighting the discrepancies, copies of my previous dispute letters, and any relevant account statements. 
I trust that you will take immediate steps to rectify this matter and ensure compliance with federal regulations. 
Sincerely, XXXX XXXX XXXX