Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Fourth Complaint Regarding Inaccurate Late Payments on XXXX XXXX XXXX Account Dear CFPB, I am filing this complaint for their failure to correct the inaccurate late payment information on my credit report for my XXXX XXXX XXXXXXXX account. Despite multiple disputes ( letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), this issue remains unresolved, violating several provisions under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

Account Details : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Inconsistent reporting of XXXX, XXXX, and XXXX late payments in these periods, despite the account being paid and settled. 
XXXX : Incorrectly reported late payments for XXXX, XXXX, and XX/XX/XXXX and XXXX through XX/XX/XXXX. 
A charge-off status was incorrectly noted in XX/XX/XXXX, even though the account was marked as settled. 
XXXX : Incorrectly reported late payments for XXXX, XXXX, and XX/XX/XXXX, as well as XXXX through XX/XX/XXXX. 
Multiple inaccuracies in the reporting of XXXX, XXXX, XXXX, and XXXX late payments during these periods, conflicting with the accounts paid and closed status. 
XXXX XXXX on XXXX : XXXX incorrectly shows the account as a charge-off in XX/XX/XXXX, despite the account being closed and paid in full. 
Payment Status Inconsistencies Across Bureaus : TransUnion and XXXX list the account as current, while XXXX reports it as 30 days late, creating a significant discrepancy. 
Remarks and Account Status Differences : TransUnion mentions " Settled - less than full balance, '' while XXXX XXXX " Settlement accepted on this account. '' Payment status and remarks differ significantly across bureaus : TransUnion : Paid and current. 
XXXX : Paid and charge-off noted in XX/XX/XXXX. 
XXXX : XXXX late payment status noted and account marked as settled. 
Two-Year Payment History Errors by Bureau : TransUnion : Reports late payments for XX/XX/XXXX, XXXX and XX/XX/XXXX, and XXXX and XX/XX/XXXX. 
XXXX : XXXX late payments for XXXX, XXXX, and XX/XX/XXXX, as well as XXXX through XX/XX/XXXX. 
Incorrectly shows a charge-off in XX/XX/XXXX. 
XXXX : XXXX late payments for XXXX, XXXX, and XX/XX/XXXX, as well as XXXX through XX/XX/XXXX. 
Late payments are incorrectly noted as XXXX, XXXX, XXXX, and XXXX, contradicting the accounts settled and closed status. 
Legal Violations : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i : Credit bureaus are required to ensure the accuracy of consumer information, which has not been upheld.

15 U.S. Code 1681b : Inaccurate reporting violates federally protected consumer rights to accurate and fair credit reporting.

15 U.S. Code 1681c : Reporting inaccurate late payments for closed or settled accounts exceeds permissible reporting guidelines.

Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date, which is inconsistent with the inaccurate late payment reporting.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, ensuring consumers are not unfairly penalized. The failure to correct late payment inaccuracies violates this principle.

Desired Resolution : Immediate removal of all inaccurate late payment notations from my credit report across all bureaus ( TransUnion, XXXX, and XXXX ). 
Written confirmation of the correction from each credit bureau. 
If this issue is not resolved promptly, I will escalate the matter through additional complaints with relevant agencies, and I reserve the right to pursue legal action for damages caused by these inaccuracies. 
Sincerely, XXXX XXXX XXXX