Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against XXXX, Experian, and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account ( Account Number : XXXX ). Despite multiple requests for correction, including letters dated XX/XX/XXXX, and XX/XX/XXXX, my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Discrepancies and Errors Identified Inaccurate Late Payment Reporting : XXXX incorrectly reports XXXX late payments for XXXX, XXXX, XXXX, and XX/XX/XXXX, and XXXX and XX/XX/XXXX. 
Experian and XXXX incorrectly report XXXX late payments for XXXX, XXXX, and XX/XX/XXXX, as well as XXXX, XXXX, and XX/XX/XXXX. 
Inconsistent Account Details : XXXX and Experian reflect discrepancies in payment status, showing late payments without supporting evidence. 
XXXX reports " Closed or paid account/zero balance, '' yet inconsistently lists late payments. 
Failure to Verify Information : Under 15 U.S. Code 1681i, credit reporting agencies are required to conduct a proper reinvestigation when a dispute is filed. Despite multiple submissions of evidence, the errors remain uncorrected.

Violation of 15 U.S. Code 1666b : Creditors must provide periodic statements at least 21 days before the payment due date. The reported late payments suggest non-compliance with this requirement.

Violation of the Truth in Lending Act ( TILA ) : These discrepancies violate TILA provisions requiring accurate and timely disclosures, which has caused undue harm to my creditworthiness. 
Account Details with Errors Account Number : XXXX High Balance : {$2200.00} ( XXXX and Experian ) ; {$4000.00} ( XXXX XXXX Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : XXXX XXXX Current ( but shows late payments ) Experian : Current ( with inconsistent late payments ) XXXX XXXX Current ( with contradictory remarks ) Errors in Two-Year Payment History : XXXX : XX/XX/XXXX : 30 days late ( incorrect ) XX/XX/XXXX : 30 days late ( incorrect ) XX/XX/XXXX : 30 days late ( incorrect ) XX/XX/XXXX : 30 days late ( incorrect ) XX/XX/XXXX : 30 days late ( incorrect ) XX/XX/XXXX : 30 days late ( incorrect ) Experian and XXXX : XX/XX/XXXX : 30 days late ( incorrect ) XX/XX/XXXX : 30 days late ( incorrect ) XX/XX/XXXX : 30 days late ( incorrect ) XX/XX/XXXX : 30 days late ( incorrect ) XX/XX/XXXX : 30 days late ( incorrect ) XX/XX/XXXX : 30 days late ( incorrect ) Impact of Inaccurate Reporting The inaccurate reporting of late payments has caused significant harm to my creditworthiness, including higher interest rates and denial of credit opportunities. These errors also cause emotional distress and undermine the reliability of the credit reporting system. 
Desired Resolution Immediate removal of the inaccurate late payment notations from XX/XX/XXXX through XX/XX/XXXX from XXXX and XX/XX/XXXX through XX/XX/XXXX from Experian and XXXX. 
Written confirmation from each credit bureau that these corrections have been made. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with regulatory agencies and exploring legal action under the FCRA, TILA, and other applicable laws. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX