Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Gross 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 blatant 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 errors remain unaddressed. This ongoing negligence is unacceptable and constitutes direct violations of 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 ( XXXX ), XX/XX/XXXX ( XXXX and Equifax ) Date Reported : XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( Equifax ) Date Opened : XX/XX/XXXX ( All Bureaus ) 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 and XXXX : Report late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as 30, 60, and 90 days late. 
Equifax : Reports the same dates but includes five instances of 30-day late payments. 
These claims are completely false and unsupported by payment history. The inaccuracies have caused significant damage to my creditworthiness and credibility, which I consider an egregious violation of 15 U.S. Code 1681e ( b ). 
Unresolved Disputes : My disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX have been blatantly ignored. Despite multiple follow-ups, the account is still falsely marked as " Account not disputed '' across all three credit bureaus. 
Inconsistent Reporting of the " Date Reported '' : XXXX and XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Inconsistent Remarks : Equifax lists : " Closed or paid account/XXXX  balance - Auto. '' XXXX and XXXX simply state : " Closed. '' Legal Violations : Fair Credit Reporting Act ( FCRA ) : The repeated failure to investigate and correct inaccuracies, as required under 15 U.S. Code 1681i, demonstrates gross negligence on the part of the credit reporting agencies. 
Truth in Lending Act ( TILA ) : Under 15 U.S. Code 1666b, creditors are required to provide accurate and timely statements to consumers. The false late payment reporting directly violates this obligation. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : The inaccurate and untimely reporting constitutes a breach of this act, which is designed to protect consumers from unjust penalties due to creditor negligence. 
Immediate Demands : Removal of All Inaccurate Late Payment Notations : The false late payment notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX must be removed immediately. 
Written Confirmation : I demand written confirmation from each credit bureau that the corrections have been made. 
Explanation for Negligence : I require a written explanation detailing 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 to higher authorities, including filing formal complaints with the Federal Trade Commission ( FTC ) and pursuing legal action for damages caused by these violations. The lack of accountability displayed by these agencies is deeply troubling, and I will not tolerate further delays or negligence. 
Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX XXXX