Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Fourth Request for Removal of Inaccurate Late Payments XXXX XXXX Account Dear CFPB, This is my fourth formal complaint regarding the inaccurate reporting of late payments on my XXXX XXXX account ( Account Number : XXXX ). Despite multiple disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, you have failed to correct these inaccuracies, leaving my credit report with false and misleading information. 
The reported late payments for XX/XX/XXXX on Equifax, and XXXX, XXXX, XXXX, and XX/XX/XXXX on XXXX and XXXX, are inaccurate and unsupported by any legitimate documentation. While Equifax has removed three of the four erroneous late payments, it has failed to remove the remaining one, and XXXX  and XXXX  have made no c

orrections at all. Discrepancies and Errors in Reporting Payment History Inaccuracy : XXXX and XXXX continue to report 30-day late payments for XXXX, XXXX, XXXX, and XX/XX/XXXX, while Equifax reports a 30-day late payment for XX/XX/XXXX. These are inaccurate as the account was paid on time and fully settled.

High Balance Inconsistency : XXXX and Equifax report a high balance of {$30000.00}, whereas XXXX lists {$0.00}. 
Account Status Conflict : All three bureaus correctly reflect the account as closed and the payment status as current, contradicting their reported late payments.

Dispute Acknowledgment : While Equifax acknowledges an ongoing dispute with the comment " Consumer disputes reinvestigation in progress, '' XXXX and XXXX fail to include any such remark, further highlighting the lack of uniformity and attention to detail in the handling of my case.

Legal Violations and Breaches Your continued negligence and failure to address these errors constitute violations of several federal laws, including but not limited to : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i : Requires credit reporting agencies to ensure the accuracy of information. Your repeated inability to correct these errors is a blatant violation of this mandate.

15 U.S. Code 1681b : Prohibits the reporting of inaccurate or unverifiable information that adversely affects consumers.

Truth in Lending Act ( TILA ) : Under 15 U.S. Code 1666b, creditors must provide timely and accurate statements at least 21 days before payment due dates. Your inaccurate reporting fails to meet this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the fair treatment of consumers by ensuring timely and accurate reporting of financial obligations.

Resolution Demands This is now my fourth formal dispute, and I demand immediate action. Specifically : Immediate removal of all inaccurate late payment notations from my credit report.

A formal written confirmation from each bureau ( Equifax, XXXX, and XXXX ) that these corrections have been made. 
A guarantee that no further false information regarding this account will appear on my credit reports.

If you fail to resolve this matter promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider taking legal action. Your negligence has already caused unnecessary harm to my creditworthiness, and further delays are unacceptable.

I expect written confirmation of the corrections within the legally mandated timeframe.

Sincerely, XXXX XXXX XXXX