Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX  XXXX Account 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 XXXX  XXXX account, account number XXXX. Despite multiple disputes and requests for correction submitted on XX/XX/XXXX, and XX/XX/XXXX, no changes have been made to rectify these inaccuracies, which violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information and Discrepancies : Account Number : XXXX High Balance : {$500.00} Credit Limit : {$300.00} Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Current Two-Year Payment History : A 30-day late payment is incorrectly reported for XX/XX/XXXX. 
Evidence of Error : Inaccurate Late Payment Reporting : The payment history for XX/XX/XXXX reflects a 30-day late payment. However, this reporting is incorrect, as all payments were made on time. This inconsistency is further highlighted by the lack of any supporting documentation from XXXX XXXX to justify the late payment. 
Contradictory Information : The account is listed as " Paid '' and " Current, '' yet a late payment is still being reported, which is contradictory and misleading. 
Failure to Investigate : TransUnion has failed to conduct a reasonable investigation into this dispute, as mandated under 15 U.S. Code 1681i. 
Correspondence and Supporting Documentation : I have attached correspondence received from TransUnion dated XX/XX/XXXX, which failed to provide any substantive resolution to my disputes. 
Additionally, I have included records of my previous disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Personal documents, including payment receipts and account statements, are also attached to support my claim that the late payment reporting is inaccurate. 
Violations of Federal Laws : FCRA Violations : Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum accuracy of the information. The inaccurate late payment reporting demonstrates a failure to meet this standard.

15 U.S. Code 1681i mandates that disputed information must be reinvestigated, and if found to be inaccurate or unverifiable, it must be corrected or removed. TransUnion has not fulfilled this obligation despite my repeated disputes.

TILA Violations : According to 15 U.S. Code 1666b, creditors must provide periodic statements at least 21 days before the payment due date. The inaccurate late payment suggests a potential violation of this requirement by the creditor, which TransUnion has failed to address.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely and accurate statements to prevent unfair penalties to consumers. The reporting of a late payment contradicts this obligation.

Resolution Requested : Immediate removal of the inaccurate 30-day late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation of the correction from TransUnion. 
Failure to address this matter promptly will leave me no choice but to escalate this complaint further by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse if necessary. 
Please consider this letter a formal request under my rights as outlined in the FCRA and TILA. I trust this matter will be resolved expeditiously. 
Sincerely, XXXX XXXX XXXX XXXX