Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against DEPTEDXXXX  for Reporting Inaccurate Late Payments on XXXX XXXX Account To Whom It May Concern, I am filing this complaint to address significant inaccuracies reported by DEPTEDXXXX on my XXXX XXXX account. These inaccuracies pertain to improper late payment reporting across the thrXXXX major credit bureausTransUnion and XXXXwhich have resulted in substantial harm to my credit report. Below, I outline the specific errors and violations. 
Account Information Account Number : XXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( TransUnion ), Reported Open on XXXX Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX XXXX Payment Status : Reported as Late 120 Days on TransUnion and XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Discrepancies and Errors Inconsistent Account Status Reporting : TransUnion and XXXX report the account as Closed, while XXXX inaccurately reports it as Open.

Inaccurate Late Payments : Late payments of 120 days are reported for XXXX consecutive months ( XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) on TransUnion and XXXX. However, the account was closed and paid in full as of XX/XX/XXXX, with a {$0.00} balance owed. These payments should not exist based on the account 's status and closure date. 
Contradictory Data Across Bureaus : TransUnion shows the Closed Date as XX/XX/XXXX, while XXXX indicates activity as late as XX/XX/XXXX, despite the account being closed and fully paid. 
Violation of Privacy Rights : Under 15 USC 1681b, the inclusion of incorrect and unauthorized information on my consumer reports violates my federally protected privacy rights.

Legal Violations 15 USC 1681e ( b ) : Reporting agencies are required to maintain maximum accuracy in their reporting. The discrepancies across bureaus highlight a failure to adhere to this obligation. 
15 USC 1681c : Adverse information, such as late payments, must not be reported beyond seven years. Furthermore, the reporting of such payments for a paid and closed account is misleading.

15 USC 1681i : My previous disputes regarding these inaccuracies have not been adequately investigated or resolved. 
Requested Resolution Given the harm caused by these reporting errors, I request the following actions : Immediate correction of the account status across all three credit bureaus to reflect Closed and Paid in Full as of XX/XX/XXXXXXXX 
Removal of all late payments reported between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, as these are factually inaccurate. 
A detailed investigation into why these inaccuracies occurred and assurances that they will not recur. 
This misinformation has caused significant emotional distress and damage to my financial reputation. I kindly request these corrections be made within 30 calendar days to avoid further escalation of this matter. 
Supporting Evidence : I have attached a copy of my credit report highlighting the discrepancies mentioned above for your review. Additional documentation can be provided upon request. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX