Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute and Request for Investigation of Inaccurate Late Payments on XXXX Account Dear CFPB, I am writing to dispute the inaccurate reporting of late payments on my credit report for the account XXXX The Fair Credit Reporting Act ( FCRA ), under 15 USC 1681, obligates credit reporting agencies to ensure that the information they report is complete and accurate. The discrepancies I have identified on my credit report demand immediate investigation and correction. Account Details Account Number : XXXX High Balance : {$3200.00} ( TransUnion and XXXX ), {$4000.00} ( XXXX XXXX Last Verified : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX and XXXX XXXX Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX and XXXX XXXX Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX and XXXX XXXX Balance Owed : {$2200.00} ( all bureaus ) Account Status : Closed ( all bureaus ) Payment Status : Current ( all bureaus ) Credit Limit : {$4000.00} ( TransUnion and XXXX ), {$0.00} ( XXXX XXXX Identified Discrepancies The payment history for this account inaccurately reflects late payments, which are inconsistent with my records. Specifically : TransUnion : Late payments for XXXX ( 30 days ), XXXX ( 60 days ), and XX/XX/XXXX ( 90 days ). XXXX : Late payments for XXXX ( 30 days ), XXXX ( 60 days ), and XX/XX/XXXX ( 90 days ). XXXX : Late payments for XXXX ( 30 days ), XXXX ( 60 days ), and XX/XX/XXXX ( 90 days ). 
These reported late payments are entirely inaccurate. I have reviewed my records, and all payments were made on time in accordance with the terms of the account agreement. 
Violations of Federal Law The reporting inaccuracies outlined above constitute violations of the FCRA and related federal laws : 1. 15 USC 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of consumer information. 2. 15 USC 1666 ( b ) : Creditors must mail periodic billing statements no later than 21 days before the payment due date. 3. 15 USC 1681c ( a ) : Prohibits including inaccurate or outdated adverse information in credit reports. Requested Actions 1. Investigate and Remove Inaccurate Late Payments : Conduct a thorough investigation of this account and remove all inaccurate late payment information for the months of XXXX, XXXX, XXXX, and XX/XX/XXXX. 2. Update Account Status : Correct the account status to reflect Paid as Agreed Never Late across all credit reports. 3. Provide Documentation : Provide me with a detailed description of the investigation process and any evidence used to verify the accuracy of the disputed information, as required under 15 USC 1681i ( a ) ( 7 ). Evidence and Supporting Documents Enclosed are the following documents to support my dispute : A copy of my credit report with the disputed account and errors highlighted.

Payment records and account statements showing on-time payments for the disputed months. Legal Obligations and Deadlines Under the FCRA, you are required to complete your investigation and provide a written response within 30 days of receiving this dispute. Failure to adhere to these legal obligations will be considered a breach of federal law, and I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. 
It is imperative that my credit report accurately reflects my financial history and responsibility. I trust you will treat this matter with urgency and ensure that the necessary corrections are made promptly. 
Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and provide a resolution timeline. Sincerely, XXXX XXXX XXXX