Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against XXXX, Equifax, and XXXX Regarding XXXX Account Discrepancies and Inaccurate Late Payment Reporting Dear CFPB, I am writing to formally file a complaint against XXXX, Equifax, and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account with account number XXXX. Despite multiple requests for correction, including disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no changes have been made to address the inaccuracies. This negligence violates federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and other relevant laws. 
Account Details and Discrepancies : Account Information : Account Number : XXXX High Balance : {$2600.00} ( XXXX and XXXX ), {$0.00} ( Equifax XXXX Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax XXXX Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax XXXX Account Status : Closed ( XXXX and XXXX ), Open ( Equifax XXXX Payment Status : Current ( all bureaus ) Two-Year Payment History : XXXX : XXXX late payment reported in XX/XX/XXXX XXXX and Equifax : XXXX XXXX payment XXXX XX/XX/XXXX, and XXXX, XXXX, and XXXX late payments in XXXX, XXXX, and XX/XX/XXXX, respectively. 
Errors and Inconsistencies : Late Payment Reporting : The account shows no balance owed and has been marked as current, yet late payments have been inaccurately reported for XX/XX/XXXX and throughout XXXX. 
Account Status Discrepancies : XXXX and XXXX report the account as closed, while Equifax incorrectly lists it as open. 
High Balance Variations : The high balance is reported as {$2600.00} by XXXX and XXXX but {$0.00} by Equifax, reflecting an inconsistency in reporting standards. 
Creditor Remarks : Equifax notes Consumer disputes - reinvestigation in progress, yet no substantive corrections have been made.

Legal Violations : FCRA Violations : 15 U.S. Code 1681i : Mandates credit reporting agencies to ensure the accuracy of consumer file information. The discrepancies highlighted above demonstrate a failure to meet this standard.

15 U.S. Code 1681b : Protects consumers from unauthorized or inaccurate disclosures of credit information, which has occurred in this case through inconsistent reporting.

TILA Violations : 15 U.S. Code 1666b : Requires creditors to send periodic statements at least 21 days before payment due dates. The inaccurate reporting suggests non-compliance, as I did not receive appropriate notifications. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the necessity for creditors to provide timely and accurate statements to prevent undue penalties. The erroneous late payments contradict this provision.

Requested Resolution : I am formally requesting the following : Immediate removal of all inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
Written confirmation from XXXX, Equifax, and XXXX, as well as XXXX, that these inaccuracies have been corrected. 
A detailed explanation of why my prior disputes, submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, were not adequately addressed, despite the evidence provided. 
If this issue is not resolved promptly, I will escalate my complaint further by filing additional complaints with relevant regulatory agencies and considering legal action to protect my consumer rights. 
Thank you for your immediate attention to this matter. Please confirm receipt of this complaint and inform me of the next steps at your earliest convenience. 
Sincerely, XXXX XXXX XXXX XXXX