Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments on XXXX XXXX  Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate late payment entries reported on my credit file for the XXXX XXXX  account. These entries are incorrect and do not accurately reflect my payment history. Nature of the Complaint : 1. Inaccurate Reporting : Both Experian and XXXX have inaccurately reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX, despite my consistent on-time payment record. 2. Discrepancies in Account Details : Experian and XXXX have listed these late payments while reporting the account as paid and current, creating a contradiction in the reporting. 
The high balance reported by XXXX is {$250.00}, which is inconsistent with the {$2500.00} listed by Experian and XXXX. XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of late payments violates my rights under the FCRA ( 15 USC 1681i and 1681s-2 ), which mandate that all data reported to credit bureaus be accurate and complete. 4. Other Legal Violations : Truth in Lending Act ( TILA ) : These discrepancies in reporting violate the TILAs standards of accuracy in financial reporting. Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments constitutes potential misrepresentation under the FDCPA. Evidence of Errors and Discrepancies : The following discrepancies were identified based on your reports and my account records : Account Details : Account Number : XXXX High Balance : {$2500.00} ( Experian and XXXX XXXX, {$250.00} ( XXXX XXXX. 
Last Verified : Not specified by Experian ; XXXX lists XX/XX/XXXX. 
Last Payment : XX/XX/XXXX ( Experian and XXXX ), XX/XX/XXXX ( XXXX ). 
30-Day Late Payments : Both Experian and XXXX report 30-day late payments for XX/XX/XXXX and XX/XX/XXXX, which are inaccurate. 
Account Status : All bureaus report the account as closed, paid, and current, contradicting the late payment entries. Requested Resolution : I respectfully request that Experian and XXXX : 1. Conduct a thorough investigation into this matter. 2. Remove the inaccurate 30-day late payment entries for XX/XX/XXXX and XX/XX/XXXX from my credit report. 3. Correct discrepancies in the high balance and ensure my payment history reflects 100 % on-time payments for the XXXX XXXX account. Legal Provisions Supporting This Request : The Fair Credit Reporting Act ( FCRA ) explicitly states : 15 U.S.C. 1681i : Credit reporting agencies must reinvestigate and correct disputed information. 15 U.S.C. 1681s-2 : Information furnishers must ensure accuracy and promptly correct errors. Additionally : 15 U.S.C. 1681n and 15 U.S.C. 1681o outline civil liabilities for willful and negligent non-compliance, including actual and punitive damages. Supporting Documents : Enclosed are the following documents to support my dispute : 1. A copy of my credit report from Experian and XXXX highlighting the errors. 
2. Payment records verifying my consistent on-time payment history. 
I kindly request written confirmation of the corrections made to my credit reports within 30 days of this submission. If this matter is not resolved promptly, I may pursue further action to protect my rights under federal law.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX