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Reporting company used your report improperly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : CFPB Late Payment Removal - Final Request Dear CFPB Representative, I am filing a formal complaint against Equifax, Experian and TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account # XXXX. Despite multiple written requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, constituting a violation of multiple federal statutes, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Violations Committed : Fair Credit Reporting Act ( FCRA ) Violations