Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint for Failure to Correct Inaccurate Late Payment Reporting for XXXX XXXX Account To Whom It May Concern : I am filing a formal complaint against XXXX, Experian and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for the following account : XXXX XXXXXXXX Account Details : Account Number : XXXX High Balance : {$2000.00} Last Verified : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX XXXX Balance Owed : {$1700.00} Account Status : Open Payment Status : Current Credit Limit : {$2000.00} Dispute Status : Account not disputed Two-Year Payment History : XXXX : XXXX late payments noted for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Experian : XXXX late payments noted for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : XXXX late payments noted for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Despite my previous efforts to resolve this matter through dispute letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the inaccuracies remain uncorrected. This failure to act violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to investigate disputed information and ensure the accuracy of consumer credit files. In this case, the discrepancies in the late payment reporting have not been addressed appropriately.

TILA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The repeated inaccuracies in late payment reporting indicate a failure to comply with this obligation, resulting in harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely and accurate statements to prevent unfair penalties to consumers. The current errors directly contradict this principle. 
The following discrepancies highlight the lack of action by the credit bureau : Payment History Errors : Late payments are inaccurately reported for months when payments were made on time, as evidenced by my payment records. 
Inconsistent Data Across Bureaus : Discrepancies in reporting dates, balances, and late payment history persist between XXXX, Experian, and XXXX. 
Failure to Update Dispute Status : Despite previous disputes, the account continues to show as not disputed. 
Desired Resolution : Immediate removal of all inaccurate late payment notations from my credit report.

Written confirmation of the corrections made to my credit report.

If this issue is not resolved promptly, I will escalate my complaint to include potential legal action and filing additional complaints with relevant agencies. 
I have attached supporting evidence, including payment records and copies of my previous dispute letters, to substantiate my claims. Please address this matter urgently to prevent further harm to my credit profile. 
Sincerely, XXXX XXXX