Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Fourth Complaint Regarding XXXX XXXX Account ( # XXXX ) - Persistent Reporting of Inaccurate Late Payments To Whom It May Concern, I am writing to formally escalate my dispute regarding the inaccurate reporting of late payments associated with my XXXX XXXX account ( Account # XXXX ) by the credit reporting agencies XXXX, Experian, and XXXX. Despite my repeated attempts to address this issue in prior disputes dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the errors persist, in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Details Account Number : XXXX High Balance : {$38000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XXXX XXXX XX/XX/XXXX Experian : XX/XX/XXXX XXXX XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX {$17000.00} Experian : {$17000.00} XXXX XXXX {$17000.00} Last Payment : XX/XX/XXXX Dispute Status : Account not disputed Errors and Discrepancies Inaccurate Late Payments : XXXX XXXX a 30-day late payment for XX/XX/XXXX, which is incorrect. 
Experian reports a 30-day late payment for XX/XX/XXXX, which is incorrect. 
XXXX reports a 30-day late payment for XX/XX/XXXX, which is incorrect. 
Evidence : Evidence : I have correspondence from my previous disputes, including the letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as detailed credit reports from XXXX, Experian, and XXXX showing the inaccuracies. These documents confirm that the reported late payments are incorrect. I am happy to provide these materials upon request. 
Discrepancies in Balances : XXXX reports a balance of {$17000.00}, Experian reports {$17000.00}, and XXXX reports {$17000.00}. This inconsistency is highly concerning as it reflects a lack of standardization and accuracy in reporting. 
Inconsistent Reporting Dates : XXXX : Reports the date of last activity as XX/XX/XXXX. 
Experian : Reports the date of last activity as XX/XX/XXXX. 
XXXX : Does not report the date of last activity, leaving a critical gap in transparency. 
Failure to Reflect Dispute Status : Despite my formal disputes submitted in XXXX, XXXX, and XX/XX/XXXX, all XXXX bureaus still list the dispute status as Account not disputed. This demonstrates a clear failure to investigate and properly address my concerns as mandated by law. 
Violations of Federal Law FCRA ( 15 U.S. Code 1681i ) : The Fair Credit Reporting Act requires credit reporting agencies to ensure the accuracy of information in consumer reports and conduct a reasonable investigation when disputes are submitted. The failure to correct the inaccuracies after multiple disputes constitutes a violation of this obligation. 
TILA ( 15 U.S. Code 1666b ) : The Truth in Lending Act mandates that creditors provide periodic statements at least 21 days before the payment due date. The continued reporting of late payments for periods where statements were not appropriately issued demonstrates non-compliance.

PAANL ( Protection Against Non-Payment of Obligations Act ) : This act reinforces the need for timely and accurate reporting to prevent undue penalties to consumers. The erroneous reporting of late payments has unfairly penalized my creditworthiness. 
Impact on My Creditworthiness The continued presence of these inaccuracies on my credit report has significantly impacted my ability to obtain favorable credit terms and financial opportunities. These errors not only undermine my financial stability but also reflect poorly on the integrity of the credit reporting system. 
Desired Resolution I am formally requesting the following corrective actions : Immediate removal of the inaccurate late payment notations for XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( Experian ). 
Correction of all discrepancies in reported balances, activity dates, and payment statuses across all three credit bureaus. 
Written confirmation from XXXX, Experian, and XXXX that these corrections have been made and that my credit file has been updated. 
If this matter is not resolved promptly, I will be forced to escalate my complaint further, including filing additional complaints with the Federal Trade Commission ( FTC ) and seeking legal counsel to address these violations of my federally protected rights. 
Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the requested corrections within 15 business days of receipt of this letter. 
Sincerely, XXXX XXXX XXXX