Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding XXXXXXXX XXXX XXXXXXXX Account Discrepancies To Whom It May Concern, I am writing to file a formal complaint against the credit reporting agencies Equifax, Experian, and TransUnion for their failure to correct inaccuracies regarding the XXXXXXXX XXXX XXXXXXXX account reported on my credit report. Despite multiple requests for correction dated XX/XX/XXXX, and XX/XX/XXXX, no updates have been made to address the errors. This negligence is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Details : Account Number : TransUnion : **** | Experian : **** | Equifax : XXXX High Balance : {$2000.00} ( TransUnion and Experian ) | {$1500.00} ( Equifax ) Date Verified : XX/XX/XXXX ( TransUnion ) | XX/XX/XXXX ( Experian and Equifax ) Date of Last Activity : XX/XX/XXXX ( TransUnion ) | XX/XX/XXXX ( Experian ) | XX/XX/XXXX ( Equifax ) Date Opened : XX/XX/XXXX ( TransUnion and Experian ) | XX/XX/XXXX ( XXXXuifax ) Balance Owed : {$1100.00} Account Status : Closed ( All Bureaus ) Payment Status : Current Credit Limit : {$1500.00} ( TransUnion and Experian ) | {$0.00} ( Equifax XXXX Discrepancies and Errors : Late Payments : The account shows inconsistent late payment reporting across all bureaus for the following months : TransUnion : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX These discrepancies are unsupported by my payment history. 
Credit Limit : Equifax reports a {$0.00} credit limit, contradicting the {$1500.00} limit reported by TransUnion and Experian. 
Creditor Remarks : Inconsistent remarks regarding account closure. TransUnion indicates " Canceled by credit grantor, '' while Experian states " Account has been closed due to inactivity. '' Balance Reporting : Equifax inaccurately reports a {$0.00} high balance, while TransUnion and Experian report {$2000.00}. 
Last Payment Date : The last payment date is reported as XX/XX/XXXX ( TransUnion and Experian ), while Equifax reports XX/XX/XXXX. 
Applicable Laws Violated : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i : Requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information.

15 U.S. Code 1681e ( b ) : Mandates that credit reporting agencies ensure maximum possible accuracy of the information reported.

15 U.S. Code 1681b : Prohibits furnishing credit reports containing inaccurate information without proper authorization.

Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Requires creditors to send periodic statements at least 21 days before the payment due date. The reporting of inaccurate late payments suggests non-compliance.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide accurate and timely statements to prevent harm to consumers.

Desired Resolution : Immediate removal of all late payment notations for the months listed above.

Correction of the inaccurate credit limit reported.

Written confirmation of these corrections from all credit bureaus.

The inaccurate reporting of late payments and other discrepancies has caused undue harm to my creditworthiness. If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant agencies and pursuing legal action.

Thank you for your immediate attention to this matter. Please confirm receipt of this letter and provide a resolution within 30 days. 
Sincerely, XXXX XXXX XXXX