To whom it may concer this letter is a formal complaint tht this company is violating several of my rights under the FCRA.In 15 usc 1681a2 under Exclusion states Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; However your company is reporting a late payment which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which this company has failed to do.the following accounts on my credit report which are reporting illegal. 
XXXX XXXX XXXX account # XXXX latepayment. 
Dept of education account # XXXX/late payment. 
Dept of education account # XXXXlate payment. 
Dept of education account # XXXXlate Payment. 
Dept of education account # XXXXlate payment. 
Dept of education account # XXXX/late payment. 
Dept of education account # XXXXlate payment.