Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting - XXXXXXXX  Account To Whom It May Concern, I am writing to formally demand immediate corrective action regarding the inaccurate information about late payments reported on my credit report for the XXXX account XXXX Despite my repeated efforts to resolve this issue, including letters dated XX/XX/XXXX and XX/XX/XXXX, your continued inaction and negligence demonstrate a blatant disregard for your legal obligations under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). This is unacceptable and must be rectified without further delay. 
Account Information : Account Number : XXXX High Balance : {$6500.00} Last Verified XXXX XXXX ( TransUnion ), Not Reported XXXX XXXXXXXX XXXX Not Reported XXXX XXXX XXXX Date of Last Activity : XXXX ( TransUnion )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported XXXX XXXX ( TransUnion ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX ( TransUnion )XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Account Status : Open Payment Status : Current Credit Limit : {$6400.00} Two-Year Payment History : TransUnion : Late payments reported for XXXX days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Late payments reported for XXXX  days ( XX/XX/XXXX ), XXXX  days ( XX/XX/XXXX ), and XXXX  days ( XX/XX/XXXX ). 
XXXX : Late payments reported for XXXX  days ( XX/XX/XXXX ), XXXX  days ( XX/XX/XXXX ), and 90 days ( XX/XX/XXXX ). 
Discrepancies Identified : Late Payment Reporting : TransUnion and XXXX report late payments for XXXX, XXXX, and XX/XX/XXXX, while XXXX reports late payments for XXXX, XXXX, and XX/XX/XXXX. This inconsistency is a clear violation of your responsibility to ensure accurate reporting. 
High Balance Discrepancy : XXXX reports a high balance of {$0.00}, which is factually incorrect and contradicts the accurate high balance of {$6500.00} reported by TransUnion and XXXX. 
Date of Last Activity : TransUnion and XXXX report the Date of Last Activity as XX/XX/XXXX and XX/XX/XXXX, respectively, while XXXX reports a significantly earlier and inaccurate date of XX/XX/XXXX. 
Account Remarks : XXXX includes the remark : " Amount in XXXX  column is credit limit, '' which is inconsistent and misleading compared to the other two credit bureaus.

Two-Year Payment History : There are glaring inconsistencies across all three bureaus for the same periods, which directly impact my creditworthiness and credibility as a borrower.

Legal Violations : FCRA Violations : 15 U.S. Code 1681i mandates credit reporting agencies to ensure the maximum possible accuracy of information in consumer files. The discrepancies detailed above are clear violations of this requirement.

15 U.S. Code 1666b requires creditors to send periodic statements at least 21 days before the payment due date. Your failure to ensure this compliance has resulted in harm to my credit file. 
TILA Violations : Under the Truth in Lending Act, creditors must provide accurate and timely disclosures to consumers. The continued misreporting of late payments has caused undue financial and reputational harm.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the obligation of creditors to prevent unfair penalties by ensuring timely and accurate statements. Your errors undermine these protections.

Immediate Demands : The complete and immediate removal of all inaccurate late payment notations from my credit report. 
Written confirmation of the corrections, along with a detailed explanation of the measures taken to ensure compliance moving forward.

Assurance that the accounts reporting has been reviewed and corrected for consistency across all credit bureaus.

If you fail to address these demands within the next 15 business days, I will escalate this matter without hesitation. This includes filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), pursuing legal action for damages caused by your negligence, and informing other regulatory agencies of your continued non-compliance. 
Your lack of accountability is not only unethical but also a violation of federal law. This is your final opportunity to resolve this matter amicably and professionally. 
Sincerely, XXXX XXXX XXXX