Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Against XXXX for Inaccurate Late Payment Reporting on Student Loan Account To Whom It May Concern, This complaint is filed regarding the unlawful and inaccurate reporting practices by XXXX on my consumer credit report, specifically involving my student loan account. I have thoroughly reviewed my credit reports and discovered errors that have misrepresented my payment history and caused undue harm to my credit profile and financial reputation. 
Account Details : Creditor Name : XXXX Account Number : XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 120 Days Creditor Remarks : Consumer disputes after resolution ; Account transferred or sold Nature of the Complaint : False Reporting of Late Payments : Equifax inaccurately lists 10 late payments ranging from 90 to 120 days past due on this account. These reports are erroneous, as my payments were consistently made on time prior to the accounts transfer. This reporting misrepresents my payment history and violates the Fair Credit Reporting Act ( FCRA ). 
Inconsistent Account Status Reporting : While the account is marked as " Closed '' and " Transferred, '' Equifax continues to display late payment statuses, which contradict the accurate status of the account. These discrepancies harm my creditworthiness and credibility as a borrower. 
Improper Handling of Disputed Information : Despite my previous disputes, the errors have not been corrected. The ongoing reporting of these inaccuracies demonstrates a failure by XXXX and Equifax to uphold their obligations under the FCRA to ensure maximum possible accuracy of consumer information. 
Violation of FCRA Standards for Data Furnishing : XXXX, as the furnisher of this accounts data, failed to update and correct the account status when the loan was transferred. Under 15 USC 1681s-2, data furnishers must ensure the accuracy and integrity of information reported to credit bureaus.

Legal Violations : The inaccurate reporting of this account constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ), including : 15 USC 1681e ( b ) : Requiring credit reporting agencies to ensure the maximum possible accuracy of consumer information. 
15 USC 1681i : Mandating the timely investigation and correction of disputed information.

15 USC 1681s-2 : Obliging data furnishers to report accurate information and promptly correct errors.

15 USC 1681n : Allowing for civil liability and damages for willful noncompliance with FCRA requirements. 
Requested Resolution : Given the severity of these violations and the harm caused to my credit profile, I am formally requesting the following corrective actions : Immediate removal of all late payment statuses, including the 10 payments reported as 90 to 120 days late, from my credit report.

Update the account to reflect its accurate status : " Transferred, '' closed with a {$0.00} balance, and no late payments. 
Provide written confirmation of these corrections within 10 calendar days from receipt of this letter. 
Failure to resolve these issues promptly will compel me to escalate this matter further, including filing an official complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. Please feel free to contact me if additional information or documentation is required. 
Sincerely, XXXX XXXX