Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Negligence in Correcting Inaccurate Late Payment Reporting on XXXX Account To Whom It May Concern, I am writing to formally file a complaint against Equifax, XXXX, and XXXX for their blatant negligence in failing to correct inaccurate late payment information reported on my credit file for the XXXXXXXX  account ( Account # XXXX ). Despite multiple requests and sufficient evidence provided, these inaccuracies remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and other consumer protection laws. 
I have submitted disputes regarding this account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite these efforts, no changes have been made, and the incorrect information continues to harm my credit profile. It is unacceptable that, after three rounds of disputes and ample time to investigate, these agencies have failed to fulfill their legal obligations to maintain accurate and fair reporting. 
Account Details Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) late payments were reported by all three agencies. These notations are factually incorrect, as the account balance was fully paid, and the account was closed by the creditor on XX/XX/XXXX. 
High Balance Discrepancy : Equifax inaccurately reported the high balance as {$200.00}, while XXXX and XXXX correctly reported {$110.00}. 
Date Reported Discrepancies : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Creditor Remarks Inconsistencies : XXXX : " Canceled by XXXX XXXX '' XXXX : " Account has been closed due to inactivity. '' Equifax : " Closed or paid account/zero balance ; accounts closed by credit grantor. '' FCRA and TILA Violations Under the FCRA ( 15 U.S. Code 1681i ), credit reporting agencies are legally required to ensure the accuracy of consumer information. Their failure to address these discrepancies after my repeated disputes constitutes a clear violation of federal law. Furthermore : TILA ( 15 U.S. Code 1666b ) : Creditors are obligated to send periodic statements 21 days before the payment due date. Reporting late payments under these circumstances raises serious concerns about compliance with this provision. 
Desired Resolution Immediate removal of the inaccurate late payment notations for XXXX, XXXX, and XX/XX/XXXX across all credit reports. 
Written confirmation of the corrections to my credit file. 
If this matter is not resolved immediately, I will escalate my complaint further, including filing additional complaints with regulatory authorities and seeking legal recourse to hold these agencies accountable for their failure to comply with federal laws. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX