Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX XXXXXXXX Account # XXXXXXXX  Dear CFPB, I am writing to formally dispute inaccurate late payment information being reported on my credit file regarding my XXXX XXXX XXXXXXXX account, referenced as account # XXXX. Despite my prior disputes dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no corrections have been made to address these discrepancies. This ongoing issue is causing significant harm to my creditworthiness and violates several consumer protection laws. 
As evidence of my prior efforts to resolve this matter, I am attaching copies of my previous dispute letters for your review. These documents provide additional context regarding the inaccuracies and further support my request for correction. 
Account Details and Errors : Account Number : XXXXXXXX  High Balance : {$0.00} ( XXXX XXXX, {$270.00} ( Experian ) Balance Owed : {$32.00} Payment Status : Current Two-Year Payment History : XXXX : 30-day late payments inaccurately reported for XX/XX/XXXX XXXX XXXX XXXX XXXX 
Experian : 30-day late payments inaccurately reported for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 
Creditor Type : National Credit Card Companies ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Experian ) Account Type : Credit line secured Credit Limit : {$300.00} These discrepancies indicate errors in the reporting of late payments, which contradict the accounts actual payment history and status as Current. 
FCRA and Other Violations : Fair Credit Reporting Act ( FCRA ) Violations : 15 USC 1681i : Credit reporting agencies are required to ensure the accuracy of consumer file information and conduct a reasonable investigation into disputes. Despite my disputes, the inaccuracies remain unresolved.

15 USC 1681e ( b ) : Credit bureaus must follow reasonable procedures to ensure maximum accuracy in consumer reports.

Truth in Lending Act ( TILA ) Violations : 15 USC 1666b : Creditors are required to provide periodic statements at least 21 days before payment due dates. The inaccurate late payments suggest non-compliance with this provision. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to prevent unfair penalties for consumers. Reporting erroneous late payments constitutes an unfair penalty. 
Timeline of My Disputes : First Dispute : XX/XX/XXXX Second Dispute : XX/XX/XXXX Third Dispute : XX/XX/XXXX Despite these attempts, no corrective actions have been taken. Additionally, discrepancies between XXXX and Experian regarding the same account further highlight the lack of proper verification procedures. 
Desired Resolution : Immediate removal of the inaccurate late payment notations for XX/XX/XXXX and XX/XX/XXXX ( XXXX ) and XX/XX/XXXX and XX/XX/XXXX ( Experian ) from my credit report. 
A written confirmation of these corrections within 30 days. 
Assurance that all information regarding this account complies with FCRA and TILA standards moving forward. 
Failure to resolve this matter promptly will leave me with no option but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies. 
Thank you for your immediate attention to this urgent matter. I look forward to your prompt resolution. 
Sincerely, XXXX XXXX XXXX