Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : CFPB Late Payment Removal - Final Request for XXXX XXXX  Account Dear CFPB Representative, I am filing a formal complaint against the credit bureaus XXXX, XXXX, and Equifax for failing to correct inaccuracies regarding late payments reported on my credit report for the XXXX XXXX  account ( Account Number : XXXX ). Despite previous disputes submitted on XX/XX/XXXX and XX/XX/XXXX, these errors remain unresolved, violating my federally protected rights under multiple consumer protection laws. Account Discrepancies The following discrepancies and errors have been identified for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, despite the account being listed as " XXXX '' and " Closed '' since XX/XX/XXXX. The account status is marked " Current '', which contradicts the reported late payments.

The balance owed is {$0.00}, and the account was closed due to inactivity, further invalidating the late payments. XXXX. XXXX XXXX payments for the same periods ( XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX ) are reported, despite the account being " Paid in Full '' and " Closed ''. 
The account is marked " Current '' and " Closed due to inactivity '', conflicting with the payment history. 3. Equifax Late payments for the same periods ( XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX ) are reported, despite the account being closed and marked as " Paid ''. The account status reflects " Closed '' and " Current '', with a note of ongoing disputes and reinvestigation. This note suggests unresolved issues despite prior disputes.

These inaccuracies have caused significant harm to my creditworthiness and financial standing, resulting in undue stress and financial obstacles. Violations of Federal Laws 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of my credit report. 15 U.S. Code 1681i : Failure to investigate and correct inaccurate information after my initial disputes. 2. Truth in Lending Act ( TILA ) : Reporting false late payments contradicts the requirement to provide accurate and timely disclosures to consumers. 3. Gramm-Leach-Bliley Act ( GLBA ) : 15 U.S. Code 6801 : Failure to ensure the privacy and accuracy of my financial information. 4. FTC Act and Privacy Rights : 18 U.S. Code 1028A : The continued reporting of incorrect information constitutes misrepresentation and fraud under federal law. Formal Request for Immediate Correction I formally demand the immediate removal of all inaccurate late payment entries for the XXXX XXXX  account from all three credit bureaus ( XXXX, XXXX, and Equifax ). Specifically : Update the payment status to " Paid As Agreed, Never Late. '' Correct the payment history to reflect accurate details, removing all late payments for XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX. Provide documented proof if these inaccuracies are upheld, including dates, amounts, and any communication records validating the late payments. Supporting Evidence Attached is the detailed account screenshot highlighting the discrepancies, along with documentation from prior disputes. 
Resolution Requested 1. Immediate removal of the late payment entries. 2. Written confirmation of the correction. 3. Compliance with federal laws as outlined above.

Failure to resolve this matter within 30 days will result in further action, including additional complaints to relevant agencies and potential legal escalation. 
I trust that this issue will receive the prompt attention it requires. 
Thank you for your immediate assistance. Sincerely, XXXX XXXX XXXX