Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I am enrolled in autopay for all my accounts. The erroneous late payments create a misleading representation of my creditworthiness.

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 do not reflect my actual payment history.

Potential Violation of the Fair Debt Collection 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 ) : The reporting practices violate the TILA, which mandates the accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S.C. 1681i and 15 U.S.C. 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. Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. 
Summary of Errors and Discrepancies The following are specific discrepancies for my XXXX XXXX  account reported by XXXX, Experian, and XXXX : Late Payment Reporting : XXXX and XXXX both report a XXXX late payment in XXXX and a XXXX late payment in XXXX, while Experian reports a XXXX XXXX payment in XXXX and a XXXX late payment in XXXX as well. These entries are inaccurate since all payments were made on time. 
Date of Last Activity : XXXX lists the date of last activity as XX/XX/XXXX, Experian as XX/XX/XXXX, and XXXX as XX/XX/XXXX, with discrepancies in reporting dates across all three bureaus. 
Date Opened : XXXX and Experian report the account as opened on XX/XX/XXXX and XX/XX/XXXX, respectively, while XXXX shows XX/XX/XXXX, leading to inconsistent account details across bureaus.

Balance Owed : Each bureau accurately reports a balance of {$0.00}, but the differing remarks and account descriptions suggest discrepancies in how the account status is interpreted.

Account Status : The account is listed as " Closed '' across all bureaus but with differing comments : XXXX states it was Canceled by credit grantor, while Experian notes the account was Closed due to inactivity, and XXXX states Closed or paid account/zero balance. 
Requested Resolution : I request that Experian conducts a thorough investigation of my XXXX XXXX account and removes any inaccurate late payments from my report. I ask that all entries be updated to reflect my true payment history of 100 % on-time payments.

Please provide written confirmation of these changes within 30 days of receipt of this complaint. 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