Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting for XXXX Account To Whom It XXXX Concern, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by XXXX, XXXX, and Equifax for my XXXX  account ( Account # : XXXX ). I believe these late payments are erroneous and do not accurately reflect my payment history. Below, I outline the discrepancies and provide evidence of the reporting errors. 
Nature of the Complaint : Inaccurate Reporting : The late payment for XX/XX/XXXX is reflected on XXXX, but both XXXX and Equifax list the Payment Status as Late 30 Days without the corresponding delinquency in the payment history grid for XX/XX/XXXX. This discrepancy is misleading and inaccurate. 
Discrepancies in Account Details : The following inconsistencies have been identified across the credit bureaus : High Balance : XXXX and XXXX report {$370.00}, while Equifax incorrectly reports {$0.00}. 
XXXX XXXX : XXXX and XXXX list {$370.00}, but Equifax again reports {$0.00}. 
Last Verified Date : XXXX lists XX/XX/XXXX, XXXX does not provide a date, and Equifax lists XX/XX/XXXX. 
Last Payment Date : XXXX and XXXX state XX/XX/XXXX, while Equifax incorrectly reports XX/XX/XXXX. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1681i and 15 USC 1681s-2 ), which mandate maximum accuracy and correction of incomplete or inaccurate information in consumer reports.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The false reporting of late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation regarding accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, under the FCRA, articles 616 and 617 ( 15 USC 1681n and 1681o ) outline civil liability for willful and negligent noncompliance, including damages for failure to comply with the XXXX 's requirements. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and Equifax XXXX a thorough investigation into this matter and remove the inaccurate late payments from my credit report. Additionally, I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
Specifically, I request the following corrections : Update the payment status for XX/XX/XXXX to XXXX on all three credit bureau reports. 
Correct discrepancies in the High Balance and Balance Owed fields on Equifax.

Ensure consistency in the Last Payment date across all bureaus.

I expect to receive written documentation confirming the removal of these entries and corrections within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Thank you for your immediate attention to this matter. I have attached all supporting documentation, including account statements and payment records, to substantiate my claims. 
Sincerely, XXXX XXXX XXXX