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Account information incorrect. The credit reporting agencies are not reporting accurate information across all three bureaus ( XXXX XXXX and TransUnion ). XXXX or more bureaus are showing a higher number of total accounts than I actually have. Additionally, there are inaccurate late payments being reported on my credit file, even though I made those payments on time. I have reviewed my credit reports and identified discrepancies between the bureaus, including differences in account status, number of open accounts, and payment history. I have reached out to the data furnishers and the credit bureaus to dispute these errors, but the issues have not been fully corrected. These inaccuracies are negatively impacting my credit score and my ability to obtain credit fairly.