Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Persistent Inaccuracies in Late Payment Reporting for XXXX XXXX XXXX Account Dear CFPB, I am filing this formal complaint against Experian and XXXX for their failure to correct inaccurate late payment reporting on my credit report for the XXXX XXXX XXXX account XXXX Despite my previous disputes on XX/XX/XXXX, and XX/XX/XXXX, these inaccuracies remain unaddressed. XXXX has already corrected its records to reflect accurate payment history, yet Experian and XXXX continue to report false late payment information, causing significant harm to my creditworthiness. 
Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX Payment Status : Paid or paying as agreed ( XXXX and XXXX ), Paid but was past due 30 days two or three times ( Experian ) Errors and Discrepancies : Late Payment Reporting : Both XXXX and Experian XXXX report XXXX payments for XX/XX/XXXX and XX/XX/XXXX. XXXX has already corrected this information, confirming that the payments were made on time. 
Dispute Status : XXXX continues to mark the account as " not disputed '' despite my prior disputes, which violates consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Inconsistent Reporting Dates : The " Last Verified '' dates and " Date of Last Activity '' differ significantly across all three bureaus, demonstrating inconsistent and unreliable reporting.

Applicable Laws and Violations : 15 U.S.C. 1666b ( FCRA ) : Creditors must provide periodic statements at least 21 days before a payments due date. The late payment reporting suggests a failure to comply with this requirement.

15 U.S.C. 1681i ( FCRA ) : Credit reporting agencies must ensure the accuracy of consumer file information. Experian and XXXX have failed to uphold this obligation. 
15 U.S.C. 1681e ( b ) ( FCRA ) : Credit bureaus are required to follow reasonable procedures to assure maximum possible accuracy, which has been neglected in this case. 
Truth in Lending Act ( TILA ) : Mandates accurate and timely disclosures to consumers. The continued misreporting of late payments violates this act and has resulted in financial harm.

Impact : The inaccuracies have negatively impacted my credit score and financial reputation, causing undue stress, denial of credit opportunities, and other financial disadvantages. The negligence of Experian and XXXX is unacceptable and must be addressed immediately. 
Desired Resolution : Immediate removal of all inaccurate late payment notations for XX/XX/XXXX and XX/XX/XXXX from Experian and XXXX. 
Correction of all discrepancies, including dispute status, reporting dates, and account activity details, to ensure consistency and accuracy across all credit bureaus. 
Written confirmation from Experian and XXXX stating that these corrections have been made and providing updated reports. 
If this issue is not resolved promptly, I will pursue further legal actions and file additional complaints with relevant oversight agencies. Experian and XXXX continued failure to comply with federal laws will not be tolerated, and I expect immediate resolution. 
Thank you for your urgent attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX