Product: Credit reporting or other personal consumer reports

XX/XX/XXXX2025 Subject : Formal Complaint Regarding Persistent Inaccuracies in Late Payment Reporting for XXXX XXXX  XXXX Account To Whom It May Concern, I am writing to express my extreme dissatisfaction with the ongoing and unresolved inaccuracies in the reporting of late payments for my XXXX XXXX  XXXX account ending in XXXX. Despite submitting multiple disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, these errors persist, and only partial corrections have been made by Equifax while XXXX and XXXX have failed to act. This gross negligence violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), and I demand immediate corrective action. 
Account Details : Account Number : XXXX High Balance : {$1800.00} ( XXXX, XXXX )/ {$0.00} ( Equifax ) Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX ( XXXX ) Credit Limit : {$1500.00} Account Status : Closed Payment Status : Current Persistent Inaccuracies in Late Payments : XXXX XXXX Late payments reported : 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, XX/XX/XXXX. 
Issue : These late payments are factually incorrect as the account was closed in good standing. 
XXXX : Late Payment Reported : XX/XX/XXXX. 
Issue : Reporting a late payment on an account that was closed in good standing is completely erroneous. 
Equifax : Late payments reported : XX/XX/XXXX, XX/XX/XXXX. 
Issue : Although some late payments have been removed, significant discrepancies remain, demonstrating inadequate investigation. 
Violations of Consumer Protection Laws : FCRA Violations : 15 U.S. Code 1681i : Credit reporting agencies must conduct a reasonable investigation into disputed information. Your failure to address these discrepancies over multiple disputes is a clear violation. 
15 U.S. Code 1681e ( b ) : The law mandates credit bureaus to follow reasonable procedures to ensure maximum possible accuracy of information. You have failed to meet this standard. 
TILA Violations : 15 U.S. Code 1666b : Creditors must provide accurate and timely periodic statements. The inaccuracies in late payment reporting highlight a failure to comply with this requirement. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : These errors constitute an egregious failure to provide timely and accurate disclosures, unfairly penalizing me as a consumer and damaging my creditworthiness. 
Demonstrable Harm : These inaccuracies have caused significant damage to my credit score, limited my access to credit, and resulted in financial harm due to higher interest rates on loans and credit products. Your failure to resolve these disputes reflects a blatant disregard for your legal obligations and my rights as a consumer. 
Formal Demand for Resolution : Immediate and Permanent Removal : Remove all inaccurate late payment notations for the XXXX XXXX  XXXX account ending in XXXX from my credit report across XXXX XXXX XXXX, and Equifax XXXX 
Written Confirmation : Provide a formal written statement confirming the corrections. 
Assurance of Compliance : Implement measures to ensure compliance with FCRA, TILA, and PAANL to prevent future inaccuracies. 
Notice of Escalation : If these errors are not rectified immediately, I will escalate this complaint by : Filing additional complaints with the Federal Trade Commission ( FTC ) and other relevant regulatory agencies. 
Consulting legal counsel to pursue potential legal action for damages caused by your negligence. 
I expect a resolution to this matter within 15 days from the date of this letter. Any further delays will be seen as willful noncompliance and addressed accordingly. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX