Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding XXXX XXXX  XXXX Account Discrepancies To Whom It May Concern, I am writing to file a formal complaint against the credit reporting agencies XXXX, Experian, and XXXX for their failure to correct inaccuracies regarding the XXXX XXXX XXXXXXXX account reported on my credit report. Despite multiple requests for correction dated XX/XX/XXXX, and XX/XX/XXXX, no updates have been made to address the errors. This negligence is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Details : Account Number : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX  XXXXXXXX High Balance : {$2000.00} ( XXXX and Experian ) | {$1500.00} ( XXXX ) Date Verified : XX/XX/XXXX ( XXXX ) | XX/XX/XXXX ( Experian and XXXX XXXX  Date of Last Activity : XX/XX/XXXX ( XXXX  ) | XX/XX/XXXX ( Experian ) | XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX ( XXXX and Experian ) | XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$1100.00} Account Status : Closed ( All Bureaus ) Payment Status : Current Credit Limit : {$1500.00} ( XXXX and Experian ) | {$0.00} XXXX XXXX XXXX  Discrepancies and Errors : Late Payments : The account shows inconsistent late payment reporting across all bureaus for the following months : XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Experian : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX These discrepancies are unsupported by my payment history. 
Credit Limit : XXXX reports a {$0.00} credit limit, contradicting the {$1500.00} limit reported by XXXX  and Experian. 
Creditor Remarks : Inconsistent remarks regarding account closure. XXXX indicates " Canceled by credit grantor, '' while Experian states " Account has been closed due to inactivity. '' Balance Reporting : XXXX  inaccurately reports a {$0.00} high balance, while XXXX and Experian report {$2000.00}. 
Last Payment Date : The last payment date is reported as XX/XX/XXXX XXXX XXXX  and Experian ), while XXXX reports XX/XX/XXXX. 
Applicable Laws Violated : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i : Requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information.

15 U.S. Code 1681e ( b ) : Mandates that credit reporting agencies ensure maximum possible accuracy of the information reported.

15 U.S. Code 1681b : Prohibits furnishing credit reports containing inaccurate information without proper authorization.

Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Requires creditors to send periodic statements at least 21 days before the payment due date. The reporting of inaccurate late payments suggests non-compliance.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide accurate and timely statements to prevent harm to consumers.

Desired Resolution : Immediate removal of all late payment notations for the months listed above.

Correction of the inaccurate credit limit reported.

Written confirmation of these corrections from all credit bureaus.

The inaccurate reporting of late payments and other discrepancies has caused undue harm to my creditworthiness. If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant agencies and pursuing legal action. 
Thank you for your immediate attention to this matter. Please confirm receipt of this letter and provide a resolution within 30 days. 
Sincerely, XXXX XXXX XXXX