Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account XXXX XXXXXXXX  Dear CFPB, I am filing this complaint against XXXX, XXXX, and Equifax for their failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX  account ( XXXX XXXX  ). Despite submitting two prior dispute requests on XX/XX/XXXX and XX/XX/XXXX, the credit bureaus have neglected to make the necessary corrections, resulting in a continued violation of my federally protected consumer rights. 
Account Information : High Balance : {$5000.00} ( XXXX and XXXX ), {$8900.00} ( Equifax ) Last Verified : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Equifax ) Balance Owed : {$4900.00} Account Rating : Open Payment Status : Late 30 Days ( XX/XX/XXXX ) Account Status : Open Creditor Remarks : Dispute resolved; customer disagrees ( XXXX ), Subscriber reports dispute resolved - consumer disagrees ( XXXX ), Consumer disputes after resolution ( Equifax ) Credit Limit : {$8900.00} Discrepancies : High Balance : XXXX and XXXX report {$5000.00}, while Equifax reports {$8900.00}. 
Last Verified Date : Only reported by XXXX. 
Date of Last Activity : Different dates across XXXX, XXXX, and Equifax. 
Payment Status : Late 30 Days ( XX/XX/XXXX ), yet reported as current by all bureaus afterward. 
Account Dispute Remarks : Different remarks provided by each bureau. 
Violations : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of information in consumer files. My repeated disputes have not been adequately investigated or corrected.

15 U.S. Code 1681b : The reporting of inaccurate late payments violates my right to privacy and ensures only accurate data is furnished to third parties.

Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the due date to avoid late fees. The reported late payments indicate a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, which appears to have been neglected. 
Impact of Errors : These inaccuracies have caused undue harm to my creditworthiness, including potential denial of credit opportunities and higher interest rates.

Desired Resolution : Immediate removal of the late payment notation ( XX/XX/XXXX ) from my credit report across all three credit bureaus. 
Written confirmation from XXXX, XXXX, and Equifax verifying the corrections. 
I have attached supporting documentation, including copies of previous dispute letters and my credit reports highlighting the inaccuracies. If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for addressing this matter. Please confirm receipt of this letter and inform me of any actions taken to resolve my complaint. 
Sincerely, XXXX XXXX XXXX XXXX