Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Fourth Complaint Against Equifax, XXXX, and XXXX for Inaccurate Reporting of Late Payments on XXXX XXXXXXXX Account # XXXX To Whom It May Concern, This is my fourth formal complaint regarding the inaccurate and inconsistent reporting of late payments on my XXXX XXXXXXXX account ( # XXXX ) by Equifax, XXXX, and XXXX. Despite my previous dispute letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, these inaccuracies remain unresolved, violating multiple provisions of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and other consumer protection laws. 
Errors and Discrepancies in Reporting : Late Payment Reported for XX/XX/XXXX ( 30 days late ) : XXXX : Incorrectly reports a late payment for XX/XX/XXXX. 
XXXX : Also reports a late payment for XX/XX/XXXX, conflicting with my actual payment history. 
Equifax : Similarly reports the same late payment for XX/XX/XXXX, despite this account being closed and paid in full. 
Credit Limit Discrepancies : XXXX and XXXX : Report the credit limit as {$500.00}. 
Equifax : Reflects {$0.00} as the XXXX XXXX, which is inaccurate. 
Date of Last Activity Discrepancy : XXXX : XXXX XX/XX/XXXX. 
XXXX : XXXX XX/XX/XXXX. 
Equifax : XXXX XX/XX/XXXX. 
Date Reported : XXXX : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
Equifax : XX/XX/XXXX. 
Account Status : All three bureaus reflect the account as closed and paid, yet they continue to report inaccurate derogatory marks, misleading potential creditors. 
Inconsistent Remarks : XXXX : " Dispute resolved ; reported by grantor. '' XXXX : " Account was in dispute- now resolved - reported by subscriber. '' Equifax : " Closed or paid account/zero balance. '' Violations : Fair Credit Reporting Act ( FCRA ) : 15 USC 1681e ( b ) : Credit reporting agencies are required to ensure maximum accuracy in consumer files, which has not been upheld. 
15 USC 1681i : Mandates thorough investigation of disputes and correction or deletion of inaccurate information. 
Truth in Lending Act ( TILA ) : 15 USC 1666b : Creditors must send periodic statements at least 21 days before the payment due date, raising doubts about the legitimacy of the reported late payments. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the obligation of creditors to provide timely and accurate statements to prevent consumers from being unfairly penalized. 
Demands : XXXX Removal of the inaccurate late payment notation for XX/XX/XXXX from the credit reports of Equifax, XXXX, and XXXX. 
Correction of Discrepancies in the credit limit, date of last activity, and other fields across all bureaus. 
Formal Written Confirmation from each bureau that corrections have been made and will reflect in future reports. 
If this matter is not resolved promptly, I will escalate this complaint further by filing additional reports with the Federal Trade Commission ( FTC ), my state Attorney General 's office, and pursuing legal remedies under the FCRA and TILA. Your repeated failure to address these errors continues to harm my creditworthiness, and I will not allow this negligence to persist. 
I trust that the CFPB will take immediate action to ensure Equifax, XXXX, and XXXX comply with their legal obligations. 
Sincerely, XXXX XXXX XXXX