Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX XXXX  Account To Whom It May Concern : I am filing this formal complaint regarding the inaccurate reporting of late payments on my credit report for the XXXX XXXX  account, as detailed below. Despite disputing this information multiple times ( letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), the inaccuracies persist in violation of the Fair Credit Reporting Act ( FCRA ) and other federal regulations. 
Account Details : Creditor Name : XXXX XXXX Account Number : XXXX High Balance : {$15000.00} Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX XXXX Closed Date : XX/XX/XXXX ( XXXX ), -- ( Experian and XXXX XXXX Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX XXXX Balance Owed : {$0.00} Account Status : Closed ( XXXX and Experian ), Paid ( XXXX XXXX Payment Status : Current Creditor Remarks : Closed ( XXXX ), Closed or paid account/XXXX  balance ( XXXX ) Issue Details : The late payment reported for XX/XX/XXXX is inaccurate, as shown in the two-year payment history on my credit reports. All three credit bureausXXXX, Experian, and XXXXare reporting a 30-day late payment for this date, despite the account showing a history of timely payments and being closed in good standing. 
Additionally, there are discrepancies in the account information across the three credit bureaus : Date of Last Activity : XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, and XXXX reports XX/XX/XXXX. 
Closed Date : XXXX reports XX/XX/XXXX, while Experian and XXXX leave this field blank. 
Account Description : XXXX and Experian describe the account as individual, while XXXX specifies Closed or paid account/XXXX  balance. 
These inconsistencies and the incorrect late payment notation demonstrate clear violations of FCRA requirements. 
Violations : 15 U.S. Code 1681i : Credit reporting agencies must ensure the accuracy of information in consumer files and conduct reasonable investigations when disputes are filed. This has not been upheld, as evident by the continued inaccuracies.

15 U.S. Code 1666b ( TILA ) : Creditors are required to provide periodic statements at least 21 days before the due date, which appears to have been neglected.

15 U.S. Code 1681e ( b ) : Credit reporting agencies must maintain maximum possible accuracy in consumer reports.

Desired Resolution : Immediate removal of the inaccurate late payment notation for XX/XX/XXXXXXXX  from my credit reports. 
Correction of all discrepancies in the account details across all three credit bureaus. 
Written confirmation of the corrections made. 
Failure to resolve this matter promptly will leave me no choice but to escalate my complaint, including seeking legal remedies and filing additional complaints with relevant agencies. I trust that XXXX, Experian, and XXXX will take immediate action to enforce compliance with federal regulations. 
Thank you for your attention to this matter. I look forward to receiving confirmation of the resolution within the legally mandated timeframe. 
Sincerely, XXXX XXXX XXXX