Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Fourth Formal Complaint Regarding Inaccurate Late Payments on XXXX  Account # XXXX To Whom It May Concern, I am writing to demand immediate correction of the ongoing and unresolved inaccuracies in late payment reporting for my XXXX XXXX  account ( # XXXX ). Despite submitting formal disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, you have failed to correct this egregious error. Your continued negligence constitutes a violation of federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
The erroneous late payment notations on my credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These notations conflict directly with the payment history, account status, and current standing of the account. My account has been in Current status, with a {$0.00} balance and no delinquent payments since XX/XX/XXXX, as evidenced in the enclosed documentation. 
Key Errors and Discrepancies Inconsistent Reporting : Each bureau has reported conflicting late payment dates, indicating a clear failure to ensure accurate and uniform information. 
Misrepresentation of Account Status : XXXX inaccurately describes the account as " Closed or paid account/zero balance, '' while XXXX and TransUnion fail to align with this.

Erroneous Late Payment History : The payment history includes false 30-day late notations for months where payments were fully compliant.

Violations of Federal Laws Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Credit reporting agencies are required to conduct a reinvestigation of disputed information to ensure maximum accuracy. The failure to address these discrepancies after three disputes is a blatant violation.

15 U.S.C. 1681e ( b ) : Credit bureaus must follow reasonable procedures to ensure accuracy in consumer reports. Your lack of adherence has caused significant harm to my creditworthiness. 
Truth in Lending Act ( TILA ) : 15 U.S.C. 1666b : Creditors must provide accurate periodic statements at least 21 days before payment due dates. These inaccuracies reflect a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act ensures that creditors issue accurate billing statements and prevents penalties for non-existent late payments. 
Impact of your continued inaction Your repeated failure to address these inaccuracies has caused : Unjust damage to my credit score and financial reputation.

Denial of financial opportunities due to false derogatory marks on my credit report.

Significant emotional distress caused by your lack of resolution and accountability.

Demanded Resolution I am formally demanding : The immediate and permanent removal of all inaccurate late payment notations for this account from my credit report. 
A detailed written confirmation of the corrections and updates made to my file.

Assurance that proper procedures will be followed to prevent future inaccuracies.

Failure to address this matter within 15 days from the date of this letter will leave me with no choice but to escalate my complaint further. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), seeking intervention from regulatory authorities, and pursuing legal action for damages caused by your failure to comply with federal laws. 
Your continued inaction is unacceptable, and I expect immediate resolution. 
Sincerely, XXXX XXXX XXXX