Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding XXXX Account Reporting Errors To Whom It XXXX Concern, I am writing to file a formal complaint against Equifax, XXXX and XXXX for XXXX to correct inaccurate information regarding late payments reported on my credit report for the XXXX account XXXX Account Number : XXXX ). Despite multiple requests for correction, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no changes have been made to rectify these errors. This inaction violates the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). 
Account Details and Discrepancies : Account Number : XXXX High Balance : {$2400.00} ( XXXX and XXXX ), {$2500.00} ( Equifax XXXX Date of Last Activity : XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( Equifax XXXX Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax XXXX Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Equifax XXXX Balance Owed : {$1100.00} ( all bureaus ) Dispute Status : " Account not disputed '' ( XXXX and XXXX ), " Account disputed '' ( Equifax XXXX Payment Amount : {$57.00} ( all bureaus ) Late Payment Dates : XXXX XXXX XX/XX/XXXX ( 30 days ) XXXX : XX/XX/XXXX ( 30 days ) Equifax XXXX XX/XX/XXXX ( 30 days ) Errors and Evidence of Discrepancy : The account is reported as " Current '' across all credit bureaus, yet there are inconsistencies in late payment notations. 
Equifax indicates that the account is " disputed '' and " reinvestigation in progress, '' while XXXX and XXXX state " Account not disputed, '' despite my prior complaints. 
Late payment dates are inaccurately reported : XX/XX/XXXX : Reported by Equifax XX/XX/XXXX : Reported by XXXX and XXXX The high balance is reported as {$2400.00} by XXXX and XXXX but {$2500.00} by Equifax. 
Payment history shows no justification for the late payment status due to timely payments indicated by the payment amount of {$57.00}. 
Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The discrepancies and uncorrected inaccuracies in my account reporting violate this mandate.

Truth in Lending Act ( TILA ) : Per 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 non-compliance with this requirement. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes timely statements to avoid unfair penalties, which were not adhered to in this case. 
Desired Resolution : Immediate removal of the late payment notations for XX/XX/XXXX and XX/XX/XXXX from my credit report. 
Written confirmation of the correction from XXXX, XXXX, and Equifax. 
These errors have caused undue harm to my creditworthiness and financial stability. I request that the CFPB intervene to ensure compliance with federal law and hold the responsible parties accountable. If this issue is not resolved promptly, I will escalate the matter through legal channels and file additional complaints with relevant regulatory bodies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX