Product: Credit reporting or other personal consumer reports

I am writing to formally 2nd dispute against Experian regarding inaccurate information reported on my credit file of XXXX XXXX account number ( XXXX ) credit card ending ( XXXX ). Upon reviewing again my credit report, I noticed that this account contains inaccurate late payment entries during the COVID-19 pandemic. These late payments were reported in violation of the CARES Act, Fair Credit Reporting Act ( FCRA ), and Truth in Lending Act ( TILA ). Specifically, I am disputing the following inaccuracies : Late Payments Reported : Experian Account Status Inconsistencies : 30 days late in XX/XX/XXXX and 30 days late in XX/XX/XXXX ]. 

High Balance Discrepancies : XXXX reflects {$620.00} as the high balance, this is inaccurate. 

Date Reported Issues : The account is marked with differing " Date Reported '' values on Experian ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) which is inaccurate. 

Under the CARES Act ( Section 4021 ), creditors were required to provide special accommodations for consumers affected by the COVID-19 pandemic. As I was impacted by the pandemic, any late payments during this period should have been reported as " current '' per the law 's requirements. The accommodation I have made with XXXX XXXX was on XX/XX/XXXX of XXXX by phone call ( XXXX XXXX has the call recorded ) on XXXX XXXX offered as payment plan accommodation, waive the interest fee, waive of any other charges and waive of minimum payment for the billing cycles on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

These accommodations were not reflected accurately in this accounts payment history. Furthermore, under the FCRA ( 15 U.S. Code 1681s-2 ), furnishers of information are required to ensure maximum accuracy when reporting data to consumer reporting agencies. The discrepancies in high balance, account status, and dates of activity/reporting clearly violate these requirements. Additionally, the TILA ( 15 U.S. Code 1601 ) mandates clear and consistent disclosures to consumers. The inconsistent and erroneous information being reported on this account undermines the transparency and fairness required by law. 

Requested Action : Immediately correct every single discrepancies on this XXXX XXXX account. Correct all late payment entries during the period covered by Cares Act 4021 from XX/XX/XXXX of XXXX until 120 days after the pandemic has ended in question to reflect the account as " current ''. Ensure consistency in the " High Balance, '' " Date Reported '' and " Account Status '' fields across all credit bureaus. Remove any inaccuracies identified during your investigation from my credit file. 

I have attached the following documents to support my claim : Federal Trade Commission ( FTC ) A copy of my credit report highlighting the disputed entries. Supporting evidence of financial hardship caused by the COVID-19 pandemic receiving the XXXX  Benefits from New Jersey State in my XXXX XXXX XXXX  Account in the same year of XXXX. 

Please conduct a thorough investigation into this matter and provide me with a written statement regarding the outcome within the 30-day timeframe allowed by the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. Sincerely,