Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Reporting of Late Payments XXXX  XXXX Account XXXX Dear CFPB, I am filing a formal complaint against Experian and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for my XXXX  XXXX Account Number : XXXX. Despite multiple disputes filed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no corrections have been made, violating the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 
Account Information and Discrepancies : Account Details : Account Number : XXXX High Balance : {$590.00} Credit Limit : {$600.00} Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) Balance Owed : {$0.00} Account Status : Open Payment Status : Current Dispute Status : Account not disputed Creditor Remarks : Dispute resolved; reported by grantor ( XXXX XXXX ; Account was in dispute - now resolved - reported by subscriber ( Experian ) Late Payments Reported : XX/XX/XXXX Reported as 30 days late ( XXXX and Experian ) XX/XX/XXXX Reported as 30 days late ( XXXX and Experian ) Discrepancies Identified : Date of Last Activity : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) Last Verified : XX/XX/XXXX ( XXXX ) ; Not reported ( Experian ) Date Reported : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) These discrepancies violate the FCRAs accuracy and completeness requirements. Furthermore, the late payments reported are inaccurate, as I have consistently made timely payments, and XXXX XXXX has not provided evidence to support the late payment claims. 
Legal Violations : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i : Credit reporting agencies must ensure the accuracy of information and investigate disputes within 30 days. The failure to correct these inaccuracies after repeated disputes constitutes non-compliance.

15 U.S. Code 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of consumer reports.

Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The reporting of late payments without evidence of proper notice violates this provision. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes creditors responsibility to provide timely statements to prevent unjust penalties on consumers.

Impact on My Creditworthiness : The reporting of these inaccurate late payments has negatively impacted my credit score and financial opportunities. These errors cause undue stress and hinder my ability to access credit on fair terms.

Requested Resolution : Immediate removal of the inaccurate late payment notations ( XX/XX/XXXX and XX/XX/XXXX ) from my credit report. 
Written confirmation of the correction from XXXX and Experian. 
Assurance of compliance with FCRA and TILA in future reporting.

Supporting Evidence : I have attached the following documents : Copies of prior dispute letters sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Screenshots of my credit report highlighting discrepancies and inaccurate late payments. 
If this issue is not resolved promptly, I will escalate my complaint further by filing additional complaints with relevant regulatory agencies and pursuing legal action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX