Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX  Account Dear CFPB, I am filing a formal complaint against Equifax, XXXX and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX account ( Account # XXXX ). Despite multiple disputes ( letters dated XX/XX/XXXX and XX/XX/XXXX ), these inaccuracies remain unaddressed, violating my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
Account Details : Account Number : XXXX High Balance : {$1100.00} ( XXXX and XXXX ), {$600.00} ( Equifax XXXX Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( 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 : {$0.00} Closed Date : XX/XX/XXXX ( XXXX XXXX Payment Status : Current Credit Limit : {$600.00} Last Payment : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax XXXX Errors and Discrepancies : Inconsistent Reporting of High Balance : XXXX and XXXX report a high balance of {$1100.00}, whereas Equifax reports {$600.00}. This inconsistency violates FCRAs requirement for accurate and consistent information. 
Inaccurate Late Payment Notations : XXXX and XXXX report a 30-day late payment for XX/XX/XXXX, while Equifax reports XXXX for XX/XX/XXXX. These discrepancies conflict with the true payment history and breach 15 USC 1681e ( b ), which mandates maximum possible accuracy in reporting. 
Date of Last Activity Discrepancies : XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, and Equifax reports XX/XX/XXXX. 
Date Opened Variance : XXXX lists the opening date as XX/XX/XXXX, while XXXX and Equifax report XX/XX/XXXX. 
Credit Limit Reporting Disparity : XXXX and XXXX correctly report a {$600.00} credit limit, while Equifax fails to provide consistent information. 
Legal Violations : Fair Credit Reporting Act ( FCRA ) : 15 USC 1681e ( b ) : Credit reporting agencies are required to ensure the maximum possible accuracy of consumer information.

15 USC 1681i : Mandates reinvestigation of disputed information, which has not been adequately performed.

Truth in Lending Act ( TILA ) : 15 USC 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting suggests non-compliance with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : Creditors are required to prevent unfair penalties by providing timely and accurate statements. The late payment notations contradict this obligation. 
Requested Resolution : I formally request the following actions : Immediate removal of all inaccurate late payment notations for XXXX and XX/XX/XXXX. 
Correction of all discrepancies in account information, including high balance, date of last activity, and date opened. 
A written confirmation of the corrections made. 
Failure to resolve this matter promptly will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and potential legal proceedings. 
Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide a resolution within 30 days, as required by law. 
Sincerely, XXXX XXXX XXXX