Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments on XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by XXXX, Experian, and XXXX. I believe these late payments are erroneous and do not accurately reflect my payment history for the XXXX account. 
Account Information : Account Name : XXXX Account Number : XXXX Creditor Type : Bank Credit Cards Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. Specifically : XXXX : Late payments reported for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. 
Experian and XXXX : Late payments reported for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. 
Discrepancies Across Credit Bureaus : High Balance : Reported as {$3400.00} by XXXX and Experian, but {$840.00} by XXXX. 
Date of Last Activity : Reported as XX/XX/XXXX by XXXX and XX/XX/XXXX by XXXX ; Experian lists this date as XX/XX/XXXX. 
Date Reported : Discrepancies exist between XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 
XXXX XXXX : Reported as {$840.00} by XXXX and Experian, but {$0.00} by XXXX. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( XXXX XXXX XXXX ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of the 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 Fair Credit Reporting Act ( 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 negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Acts requirements. 
Requested Resolution : I request that XXXX, Experian, and XXXX 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. 
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.

Supporting Documentation : Copy of credit reports from XXXX, Experian, and XXXX highlighting the discrepancies and errors. 
Payment history statements demonstrating accurate payment records. 
Personal identification documents to verify my identity. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX