Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Formal Complaint Regarding 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 deliberate 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 false information remains on my credit report. This negligence is a clear violation of both 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 ( All Bureaus ) Date Reported : XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( Equifax ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Equifax ) 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, XXXX, and Equifax : Incorrectly report 16 instances of 30-day late payments for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
These late payment notations are demonstrably false and unsupported by any evidence of actual delinquencies, causing significant harm to my creditworthiness. 
Unresolved Disputes : Despite my disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no corrections have been made. Worse, the account is incorrectly marked as " Account not disputed '' across all three credit bureaus. This misrepresentation further damages my case and undermines my rights under FCRA. 
Inconsistent Reporting Across Bureaus : Equifax reports the " Date Reported '' as XX/XX/XXXX, which is inconsistent with XXXX and XXXX, both of which list the date as XX/XX/XXXX. 
Inconsistent Remarks : Equifax inaccurately states : " Closed or paid account/XXXX balance - Auto. '' XXXX and XXXX simply state : " Closed. '' Legal Violations : Fair Credit Reporting Act ( FCRA ) : The credit bureaus failure to investigate and correct these inaccuracies violates 15 U.S. Code 1681i, which mandates that credit reporting agencies ensure the accuracy of information in consumer files. 
Truth in Lending Act ( TILA ) : According to 15 U.S. Code 1666b, creditors are required to provide periodic statements at least 21 days before the payment due date. The false reporting of late payments suggests a lack of compliance with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : By failing to ensure accurate and timely statements, the creditor and reporting agencies have subjected me to unjust penalties, directly violating the principles of this act. 
Immediate Demands : Immediate Removal of Inaccurate Late Payment Notations : The false late payment notations for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX must be removed immediately. 
Written Confirmation of Corrections : I demand written confirmation from all three credit bureaus that the corrections have been made. 
Explanation for Negligence : I require a detailed explanation as to 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 further by filing additional complaints with the Federal Trade Commission ( FTC ) and pursuing legal action for damages caused by these violations. The negligence displayed by these agencies is unacceptable, and I will hold all responsible parties accountable. 
Thank you for your immediate attention to this matter. I expect your prompt response and resolution. 
Sincerely, XXXX XXXX XXXX