XXXX is reporting a late payment ony credit file on an open account and they can not do so. TRANSUNION should not be allowed to report it. 15 U.S.C 1666 B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Also XXXX account is reporting errors on my Transunion credit file as well such as past due, last reported, date last active, and date of last payment. 
15 U.S.C SECTION 602 A states that I have the right to privacy. Also 15 U.S.C SECTION 604 A SECTION 2 states a consumer reporting agency can not furnish a account without my written instruction