Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments Reported for XXXX Account Dear CFPB, I am submitting this formal complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian, TransUnion, and Equifax. These late payments, specifically reported for XX/XX/XXXX, are erroneous and do not accurately reflect my payment history for account XXXX XXXX XXXX XXXX XXXXhis is my first round of dispute, and I am requesting immediate action to address this matter. Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report for XX/XX/XXXX are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Discrepancies exist among the credit bureaus : TransUnion : Reports a 30-day late payment for XX/XX/XXXX. Experian : Reports a 30-day late payment for XX/XX/XXXX. Equifax : Reports a 30-day late payment for XX/XX/XXXX. XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666b ), as they misrepresent my creditworthiness. 3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. Specific Errors and Discrepancies : 1. Account Information : Account Number : XXXX High Balance : {$550.00} Last Verified : TransUnion XXXX XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date of Last Activity : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX XXXX XXXX XX/XX/XXXX Account Status : Open Payment Status : Current Credit Limit : {$700.00} 2. Two-Year Payment History Discrepancies : XX/XX/XXXX : All three bureaus incorrectly report a 30-day late payment, despite my payment being made on time through autopay. Requested Resolution : I request that Experian, TransUnion, and Equifax conduct a thorough investigation into this matter and remove the inaccurate late payment for XX/XX/XXXX from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer, including complaints to relevant regulatory agencies and potential legal action. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX