Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against Experian, Equifax, and TransUnion Regarding XXXX Account Discrepancies and Inaccurate Late Payment Reporting Dear CFPB, I am writing to formally file a complaint against Experian, Equifax, and TransUnion for their ongoing failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX account XXXX account number XXXX. Despite multiple disputes and requests for correction, including letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the inaccuracies remain unresolved. This repeated negligence violates the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and other applicable consumer protection laws. 
Account Details and Discrepancies : Account Information : Account Number : XXXX High Balance : {$5500.00} ( TransUnion and Experian ), {$0.00} ( Equifax XXXX Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), -- ( Equifax XXXX Date Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( Equifax XXXX Account Status : Open ( all bureaus ) Payment Status : Current ( all bureaus ) Two-Year Payment History : Late Payment Dates : XX/XX/XXXX ( TransUnion, Experian, and Equifax ) Errors and Inconsistencies : Late Payment Reporting : The account is listed as current and with no past-due amounts, yet all three bureaus inaccurately report a XXXX late payment for XX/XX/XXXX. 
High Balance Discrepancies : TransUnion and Experian report a high balance of {$5500.00}, while Equifax lists {$0.00}, which is a clear inconsistency. 
Creditor Remarks : Equifax states, " Consumer disputes - reinvestigation in progress, '' but no substantive corrections or responses have been provided, demonstrating a lack of action and accountability. 
Failure to Reinvestigate : Despite providing sufficient documentation and evidence in my previous disputes, the bureaus failed to adequately reinvestigate and correct the reported errors. 
Legal Violations : FCRA Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of consumer file information and conduct thorough reinvestigations when disputes are raised. The failure to address these errors after multiple rounds of disputes is a direct violation.

15 U.S. Code 1681b : The inaccuracies in reporting constitute unauthorized or inaccurate disclosures of credit information, which is prohibited under this section. 
TILA Violations : 15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before payment due dates. The late payment notation indicates non-compliance with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditors ' responsibility to provide timely and accurate statements to prevent undue penalties. The erroneous late payments contradict this provision and have caused undue harm to my creditworthiness.

Requested Resolution : I am formally requesting the following : Immediate removal of the inaccurate XXXX late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation from Experian, Equifax, and TransUnion, as well as XXXX, that these inaccuracies have been corrected. 
A detailed explanation of why my prior disputes, submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, were not adequately addressed, despite the evidence provided. 
If this issue is not resolved promptly, I will escalate my complaint further by filing additional complaints with relevant regulatory agencies and considering legal action to protect my consumer rights. 
Thank you for your immediate attention to this matter. Please confirm receipt of this complaint and inform me of the next steps at your earliest convenience. 
Sincerely, XXXX XXXX XXXX XXXX