Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Fourth Round Complaint Against Experian and XXXX Regarding XXXX  Account Late Payment Errors To Whom It XXXX Concern, I am filing a formal complaint against Experian and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX ( XXXX  ) **. Despite multiple requests for correction ( letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), my requests have been ignored. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Specific Errors and Discrepancies : Payment Status : XXXX and Experian report XXXX late payments for XXXX and XX/XX/XXXX, which are inaccurate. 
XXXX does not report these late payments, creating a discrepancy between the credit bureaus. 
Account Status : XXXX and Experian report the account as Closed, whereas XXXX reports it as Open. 
Creditor Remarks : XXXX states, " Consumer disputes - reinvestigation in progress, '' which contradicts the remarks on XXXX and Experian. 
High Balance and Last Payment : All bureaus report a high balance of {$200000.00}, but the last payment dates differ : XXXX and Experian report XX/XX/XXXX, while XXXX XXXX XX/XX/XXXX. 
Term Length : XXXX reports a term length of 360 months, while XXXX lists an unrealistic term length of 1188 months. 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Furthermore, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations : The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused significant harm to my creditworthiness and financial standing.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The repeated failure to correct these errors constitutes a direct violation of my federally protected rights.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report across all three bureaus.

Correction of all discrepancies regarding account status, term length, and last payment date.

Written confirmation of the corrections made.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the CFPB, FTC, and my State Attorney Generals Office. I expect a prompt response and resolution to this matter within 30 days, as required under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

This is now the fourth round of disputes regarding this matter. Your repeated failure to address these inaccuracies demonstrates a blatant disregard for federal law and my rights as a consumer. This negligence must be rectified immediately. 
Sincerely, XXXX XXXX XXXX XXXX