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Account status incorrect. I am filing this formal complaint against XXXX XXXX for reporting inaccurate and unverifiable information to the XXXX major credit bureaus ( Experian, XXXX, and XXXX ) and failing to respond adequately to my direct written dispute regarding these inaccuracies. The information being furnished is inconsistent, misleading, and causing material harm to my credit profile. Summary of the Issue : I submitted formal written disputes to Experian, XXXX, and XXXX concerning the XXXX XXXX auto loan account, as well as a direct dispute to XXXX XXXX itself. My disputes highlighted clear and documented discrepancies among the XXXX bureaus regarding : Payment history : Each bureau is reporting different months as XXXX or XXXX late, and some are showing no late at all for t