Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Gross Negligence in Addressing Inaccurate Late Payment Reporting on XXXX XXXX Account Dear CFPB, I am filing this formal complaint against Equifax, XXXX, and XXXX for their repeated and blatant failure to correct inaccurate late payment reporting on my credit report for the XXXX XXXX account ( Account Number : XXXX ). Despite submitting disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no action has been taken, and the errors remain unaddressed. This ongoing negligence is unacceptable and constitutes direct violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Details : High Balance : {$38000.00} ( All Bureaus ) Last Verified : XX/XX/XXXX ( XXXX ), [ Not Verified - XXXX and Equifax ] Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Equifax ) Date Reported : XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( Equifax ) Date Opened : XX/XX/XXXX ( All Bureaus ) Balance Owed : {$0.00} ( All Bureaus ) Closed Date : XX/XX/XXXX ( XXXX ) Account Status : Closed ( All Bureaus ) Payment Status : Current ( All Bureaus ) Credit Limit : {$0.00} Discrepancies and Evidence of Errors : Inaccurate Late Payments Reporting : Late Payment Dates : XXXX and XXXX : Report late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX, XXXX, and 90 days late. 
Equifax : XXXX the same dates but includes XXXX instances of XXXX late payments. 
These claims are completely false and unsupported by payment history. The inaccuracies have caused significant damage to my creditworthiness and credibility, which I consider an egregious violation of 15 U.S. Code 1681e ( b ). 
Unresolved Disputes : My disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX have been blatantly ignored. Despite multiple follow-ups, the account is still falsely marked as " Account not disputed '' across all three credit bureaus. 
Inconsistent Reporting of the " Date Reported '' : XXXX and XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Inconsistent Remarks : Equifax lists : " Closed or paid account/zero balance - Auto. '' XXXX and XXXX simply state : " Closed. '' Legal Violations : Fair Credit Reporting Act ( FCRA ) : The repeated failure to investigate and correct inaccuracies, as required under 15 U.S. Code 1681i, demonstrates gross negligence on the part of the credit reporting agencies.

Truth in Lending Act ( TILA ) : Under 15 U.S. Code 1666b, creditors are required to provide accurate and timely statements to consumers. The false late payment reporting directly violates this obligation.

Protection Against Non-Payment of Obligations Act ( PAANL ) : The inaccurate and untimely reporting constitutes a breach of this act, which is designed to protect consumers from unjust penalties due to creditor negligence. 
Immediate Demands : Removal of All Inaccurate Late Payment Notations : The false late payment notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX must be removed immediately. 
Written Confirmation : I demand written confirmation from each credit bureau that the corrections have been made. 
Explanation for Negligence : I require a written explanation detailing why my disputes have been ignored and why no action was taken to address these serious errors. 
If this matter is not resolved within 15 days, I will escalate this complaint to higher authorities, including filing formal complaints with the Federal Trade Commission ( FTC ) and pursuing legal action for damages caused by these violations. The lack of accountability displayed by these agencies is deeply troubling, and I will not tolerate further delays or negligence. 
Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX XXXX