Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Reporting on Account with XXXX XXXX Dear CFPB, I am filing a formal complaint against the credit bureaus XXXX, Experian, and XXXX for their failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX account. Despite multiple requests for correction, including dispute letters sent on XX/XX/year> and XX/XX/year>, the erroneous late payment information has not been corrected. This ongoing inaccuracy violates provisions of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). 
Discrepancies : Last Verified : Only XXXX has a last verified date ( XX/XX/year> ) ; Experian and XXXX do not list one. 
Date of Last Activity : Only TransUnion lists a date ( XX/XX/year> ) ; Experian and XXXX do not list one. 
Date Reported : All bureaus list differing dates ( XXXX : XX/XX/year> ; Experian : XX/XX/year> ; XXXX : XX/XX/year> ). 
Closed Date : Only XXXX lists a closed date ( XX/XX/year> ) ; Experian and XXXX do not. 
Account Rating : All bureaus list the account as closed, but only XXXX provides a specific closed date. 
Two-Year Payment History : XXXX : 30-day late payment reported for XX/XX/year>. 
Experian : 30-day late payment reported for XX/XX/year>. 
XXXX : 30-day late payment reported for XX/XX/year>. 
Violations : Fair Credit Reporting Act ( FCRA ) : Under XXXX U.S.C. 1681i, credit reporting agencies are required to ensure the accuracy of the information they report. The continued presence of inaccurate late payment entries on my credit report demonstrates non-compliance with this mandate.

Truth in Lending Act ( TILA ) : According to 15 U.S.C. 1666b, creditors must provide periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments suggests a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : Creditors are obligated to ensure timely and accurate statements to avoid unfair penalties to consumers. The erroneous late payment information violates this responsibility. 
Evidence of Error : Payment History : Documentation from XXXX XXXX confirms no late payments were made on this account for the periods in question. 
Prior Disputes : Attached copies of my previous dispute letters dated XX/XX/year> and XX/XX/year>, along with proof of submission. 
Account Statements : Monthly statements from BSI MTG confirming on-time payments for XXXX and XX/XX/year>. 
Discrepancies : Last Verified : Only XXXX has a last verified date ( XX/XX/year> ) ; Experian and XXXX do not list one. 
Date of Last Activity : Only TransUnion lists a date ( XX/XX/year> ) ; Experian and XXXX do not list one. 
Date Reported : All bureaus list differing dates ( XXXX : XX/XX/year> ; Experian : XX/XX/year> ; XXXX : XX/XX/year> ). 
Closed Date : Only XXXX lists a closed date ( XX/XX/year> ) ; Experian and XXXX do not. 
Account Rating : All bureaus list the account as closed, but only XXXX provides a specific closed date. 
Desired Resolution : Immediate removal of all inaccurate late payment notations from my credit report across XXXX, Experian, and XXXX. 
Written confirmation of the corrections made to my credit file. 
Failure to resolve this issue promptly will result in further escalation, including additional complaints and potential legal action. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX