Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments Reported Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history for the account held with XXXX XXXX. 
Nature of the Complaint Inaccurate Reporting : The late payments listed on my credit report are incorrect. I have consistently made my payments on time, as I have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ) as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negli
gent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 
Account Information Account Name : XXXX XXXX Account Number : XXXX High Balance : {$0.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$100.00} Account Status : Open Payment Status : Current Credit Limit : {$300.00} Evidence of Error The reported late payments for XX/XX/XXXX and XX/XX/XXXX by Equifax are inaccurate. Additionally, XXXX and XXXX report late payments for XX/XX/XXXX and XX/XX/XXXX, which are also erroneous. 
Equifax : XX/XX/XXXX and XX/XX/XXXX marked as 30 days late. 
XXXX : XX/XX/XXXX and XX/XX/XXXX marked as 30 days late. 
XXXX : XX/XX/XXXX and XX/XX/XXXX marked as 30 days late. 
My records, including bank statements and autopay confirmations, clearly demonstrate that all payments for these months were made on time and processed successfully.

Requested Resolution I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
Furthermore, I request that Equifax coordinate with XXXX and XXXX to ensure consistent and accurate updates across all three credit reporting agencies. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX