Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against XXXX, Equifax, and XXXX Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am filing a formal complaint against XXXX, Equifax, and XXXX for their failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX account. Despite my multiple requests for correction ( letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), these inaccuracies persist, causing undue harm to my creditworthiness. This inaction is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information : Account Name : XXXX Account Number : XXXX High Balance : {$220.00} ( XXXX and XXXX XXXX, {$200.00} ( Equifax ) Credit Limit : {$200.00} Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 60 Days ( XXXX and Equifax ) ; Current ( XXXX ) Creditor Remarks : Canceled by credit grantor ( XXXX ), Account closed due to inactivity ( XXXX ), Closed or paid account/zero balance ( Equifax ) Discrepancies Identified : 1. Inconsistent Payment Status : XXXX and Equifax report a " Late 60 Days '' payment status, while XXXX reports the account as " Current. '' 2. Inconsistent Late Payment History : XXXX and XXXX show late payments in XX/XX/XXXX and XX/XX/XXXX. 

Equifax shows late payments in XX/XX/XXXX and XX/XX/XXXX. 
3. Inconsistent Reporting Dates : Last Verified : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ). 

Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ). 

Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ). 
4. Inconsistent Creditor Remarks : XXXX : " Canceled by credit grantor. '' XXXX : " Account closed due to inactivity. '' Equifax : " Closed or paid account/zero balance ; Accounts closed by credit grantor. '' Legal Violations : FCRA Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of information in consumer files. Despite my disputes, inaccuracies remain unaddressed.

15 U.S. Code 1681b : The reporting of inaccurate late payments violates my rights to privacy and confidentiality by misrepresenting my payment history.

TILA Violations : 15 U.S. Code 1666b : Creditors must provide periodic statements at least 21 days before the payment due date. The inaccuracies in late payment reporting suggest non-compliance with this provision.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act requires creditors to provide timely statements, ensuring consumers are not unfairly penalized. The reporting errors directly contradict this requirement. 
Impact : The inaccurate reporting of late payments has caused significant damage to my credit score and reputation, hindering my ability to obtain credit on fair terms. Furthermore, the continued inaction of XXXX, Equifax, and XXXX violates my federally protected consumer rights. 
Desired Resolution : 1. Immediate removal of the inaccurate late payment notations from my credit report across all three credit bureaus.

2. Written confirmation of the corrections from XXXX, Equifax, and XXXX. 
If this issue is not resolved promptly, I am prepared to escalate my complaint further, including pursuing legal action and filing additional complaints with relevant oversight agencies. 
Thank you for your attention to this matter. I trust the CFPB will address these violations to ensure compliance with federal laws and protect my consumer rights. 
Sincerely, XXXX XXXX XXXX