Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : CFPB Late Payment Removal - Final Request for XXXX XXXX Account Dear CFPB Representative, I am filing a formal complaint against the credit bureaus XXXX and Experian for failing to correct inaccuracies regarding late payments reported on my credit report for the XXXX XXXX account ( Account Number : XXXX ). Despite previous disputes submitted on XX/XX/XXXX and XX/XX/XXXX, these errors remain unresolved, violating my federally protected rights under multiple consumer protection laws. Account Discrepancies The following discrepancies were identified for the XXXX XXXX account : 1. XXXX Late payments reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX despite the account being listed as " Paid '' and " Closed '' since XX/XX/XXXX. The account was reported as " Current '' and " Closed due to inactivity '', which contradicts the payment history. 
The account shows no balance owed ( {$0.00} ), which further proves the payments could not have been late. 2. Experian Similar late payments are inaccurately reported for the same period ( XX/XX/XXXX - XX/XX/XXXX ) despite the account being " Closed '' and " Paid in full '' as of XX/XX/XXXX. Account details state " Closed due to inactivity '', conflicting with the payment status marked late. 
3. XXXX No payment history is reported, yet the account inaccurately reflects negative marks related to " late payments. '' These errors have resulted in unjustified damage to my creditworthiness and financial reputation. Violations of Federal Laws 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of my credit report. 15 U.S. Code 1681i : Failure to investigate and correct inaccurate information after my initial disputes. 2. Truth in Lending Act ( TILA ) : Reporting false late payments contradicts the requirement to provide accurate and timely disclosures to consumers. 3. Gramm-Leach-Bliley Act ( GLBA ) : 15 U.S. Code 6801 : Failure to ensure the privacy and accuracy of my financial information. 4. FTC Act and Privacy Rights : 18 U.S. Code 1028A : The continued reporting of incorrect information constitutes misrepresentation and fraud under federal law. Formal Request for Immediate Correction I am demanding the immediate removal of all inaccurate late payment entries for the XXXX XXXX  account from all the credit bureaus ( XXXX and Experian ). Specifically : Update the payment status to " Paid As Agreed, Never Late. '' Correct the payment history to reflect accurate details, removing all late payments for XX/XX/XXXX - XX/XX/XXXX. 
Provide documented proof if these inaccuracies are upheld, including dates, amounts, and any communication records validating the late payments. Supporting Evidence Attached is the detailed account screenshot highlighting the discrepancies, along with documentation from prior disputes. 
Resolution Requested 1. Immediate removal of the late payment entries. 2. Written confirmation of the correction. 3. Compliance with federal laws as outlined above. 
Failure to resolve this matter within 30 days will result in further action, including additional complaints to relevant agencies and potential legal escalation. 
I trust that this issue will receive the prompt attention it requires. 
Thank you for your immediate assistance. Sincerely, XXXX XXXX XXXX