Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding XXXX XXXX XXXX XXXX ( # XXXX ) and Inaccurate Late Payment Reporting Dear TransUnion Dispute Department , I am writing to formally dispute the inaccurate and unverifiable late payment information that continues to be reported on my consumer credit file regarding my XXXX XXXX XXXX account ( XXXX XXXXXXXX ). I previously submitted a dispute requesting an investigation into these inaccuracies and provided a request for supporting documentation that would substantiate the reported late payments. However, despite your re-investigation, the payment history status has not been corrected to reflect " Paid as Agreed '' or " OK '' status as required by law. 

In my previous dispute, I specifically requested documentation including exact statements proving my payments were late and transcripts from the original creditor. Despite this request, TransUnion has failed to provide sufficient verification or documentation to support the continued reporting of these late payments. As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure that all information they report is accurate, complete, and verifiable. If they can not verify the accuracy of an accounts negative payment history with proper documentation, they must remove the disputed information. 

Now, under my rights pursuant to 15 U.S.C. 1637b, I am formally demanding that you provide me with the required statements for each billing cycle associated with the reported late payments. Additionally, under 15 U.S.C. 1666b ( Timing of Payments ), the law clearly states that a creditor may not treat a payment on a credit card account under an open-end consumer report as late for any purpose unless the creditor has adopted reasonable procedures to ensure that each periodic statementincluding the information required by Section 1637bis mailed or delivered to the consumer at least 21 days before the payment due date. 

The following late payments are inaccurately reporting on my credit file : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX Therefore, I demand that you provide me with documentation proving that Fifth Third Bank followed these legal requirements for each reported late payment. If you can not provide this documentation within 15 days of receiving this letter, I demand that you immediately correct my payment history to reflect " Paid as Agreed/Never Late '' or " OK '' for the periods in question. 

Failure to comply with my dispute request and legal demands will result in my seeking legal action against TransUnion for willful noncompliance with the FCRA. If necessary, I will pursue compensation for actual damages resulting from the negative impact of this inaccurate reporting on my creditworthiness. 

Please provide written confirmation of your actions regarding this dispute. I expect your prompt response and compliance within the timeframe outlined above. 

Sincerely, XXXX XXXX