Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Information on Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate late payment reporting on my credit report associated with the account detailed below : Account Details : Account Name : XXXX XXXX Account Number : XXXX High Balance : TransUnion : {$150.00} | XXXX : {$150.00} | XXXX : {$300.00} Last Verified : TransUnion : XX/XX/XXXX | XXXX : XX/XX/XXXX Date of Last Activity : TransUnion : XX/XX/XXXX | XXXX : XX/XX/XXXX Date Reported : TransUnion : XX/XX/XXXX | XXXX : XX/XX/XXXX | XXXX : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Open Payment Status : Current Creditor Remarks : Dispute resolved; customer disagrees ( TransUnion ) | Subscriber reports dispute resolved - consumer disagrees ( XXXX ) | Consumer disputes after resolution ( XXXX ) Credit Limit : TransUnion and XXXX : {$150.00} | XXXX : {$300.00} Two-Year Payment History : TransUnion and XXXX : Late payments reported for XXXX and XX/XX/XXXX. 
XXXX : Late payments reported for XXXX and XX/XX/XXXX. 
Errors and Discrepancies Identified : Inconsistent Late Payments Reporting : TransUnion and XXXX report late payments for XXXX and XX/XX/XXXX, while XXXX reports late payments for XXXX and XX/XX/XXXX. This inconsistency indicates errors in the reporting process.

Discrepancy in Credit Limit : TransUnion and XXXX list the credit limit as {$150.00}, while XXXX shows it as {$300.00}. This inconsistency affects the accuracy of my credit profile.

Conflict in Dispute Status : TransUnion and XXXX indicate that the account is not disputed, whereas XXXX shows the account as disputed. This discrepancy undermines the uniformity of the information across the credit bureaus.

Differing Creditor Remarks : The remarks from the creditor vary among the bureaus : TransUnion : " Dispute resolved ; customer disagrees. '' XXXX : " Subscriber reports dispute resolved - consumer disagrees. '' XXXX : " Consumer disputes after resolution. '' Despite multiple disputes submitted on XX/XX/XXXX and XX/XX/XXXX, the inaccurate late payments have not been corrected. The continued reporting of these inaccuracies violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

Violations : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of information in consumer files. Despite evidence of errors, all the bureaus have failed to correct the discrepancies.

15 U.S. Code 1681b : The continued reporting of inaccurate information violates my federally protected right to privacy by allowing unauthorized access to false data.

15 U.S. Code 1681c : This section mandates the timely and accurate update of consumer credit information, which has not been adhered to.

Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting indicates a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act requires creditors to provide timely and accurate statements to prevent unfair penalties to consumers, which has not occurred in this instance.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction from XXXX, XXXX and TransUnion. 
Failure to resolve this issue promptly will result in further escalation, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse for damages caused by these inaccuracies.

I appreciate your immediate attention to this matter.

Sincerely, XXXX XXXX XXXX