Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments for XXXX  XXXX Account To Whom It May Concern, I am filing this formal complaint against Equifax, XXXX, and XXXX for their repeated failure to correct inaccurate information regarding late payments reported on my credit report for my XXXX  XXXX account ( Account Number : XXXX ). Despite multiple disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no changes have been made to address the discrepancies and errors. This ongoing issue represents a clear violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information and Discrepancies General Information : High Balance : {$2200.00} ( XXXX and XXXX ), {$2000.00} ( Equifax ) Last Verified : XX/XX/XXXX ( XXXX ), not updated for XXXX and Equifax Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), not updated ( Equifax ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Balance Owed : {$1500.00} ( XXXX and XXXX ), {$1600.00} ( Equifax ) Dispute Status : Account not disputed ( all bureaus, despite prior disputes ) Late Payment Errors : Equifax : Incorrect XXXX late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : Incorrect XXXX late payments reported for XXXX, XXXX, and XX/XX/XXXX. 
XXXX : Incorrect XXXX late payments reported for XXXX, XXXX, and XX/XX/XXXX. 
This reporting is blatantly inconsistent, as my account has been current and paid as agreed. Furthermore, the account status is listed as " Open '' and " Current, '' which conflicts with the reported late payments.

Legal Violations FCRA Violations : 15 U.S. Code 1681i requires credit reporting agencies to ensure the accuracy and completeness of information in consumer files. By failing to investigate and correct these inaccuracies after XXXX disputes, Equifax, XXXX, and XXXX have violated this provision. 
15 U.S. Code 1681e ( b ) mandates that consumer reporting agencies must follow reasonable procedures to ensure the accuracy of the information. The repeated failure to address these discrepancies demonstrates non-compliance.

TILA Violations : 15 U.S. Code 1666b requires creditors to provide periodic statements at least 21 days before payment due dates. The inaccurate late payment reporting suggests non-compliance with timely disclosures.

Negligence in Compliance with 15 U.S. Code 1681c : This section prohibits the inclusion of outdated or incorrect adverse information in consumer reports. The inclusion of these erroneous late payments violates this statute. 
Consumer Rights Violations ( Protection Against Non-Payment of Obligations Act ) : Creditors must ensure timely and accurate reporting of payment activity. The incorrect late payment notations harm my creditworthiness and financial reputation. 
Desired Resolution Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( Equifax ) ; and XXXX, XXXX, XX/XX/XXXX ( XXXX and XXXX ). 
Written confirmation from Equifax, XXXX, and XXXX stating the corrections have been made.

Assurance that my account will reflect accurate reporting moving forward.

The inaccuracies have caused significant harm to my creditworthiness and financial standing. The lack of corrective action despite repeated disputes is unacceptable. I demand that this issue be resolved promptly. Should this matter remain unaddressed, I will pursue further legal action and file additional complaints with the Federal Trade Commission ( FTC ) and other relevant regulatory bodies. 
Please confirm receipt of this complaint and provide a resolution timeline. 
Sincerely, XXXX XXXX XXXX