Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, I am writing to formally dispute the accuracy of late payments reported on my credit file associated with the following account : Account Information : Creditor Name : XXXX Account Number : XXXX Account Type : Installment ( Secured Loan ) Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXXXXXX  ( XXXX and Equifax ) Account Status : Closed ( XXXX XXXX, Paid ( XXXX and Equifax ) High Credit : {$520.00} Payment Status : Current ( XXXX and Equifax ), Late 30 Days ( XXXX ) Date Last Reported : XX/XX/XXXXXXXX  ( XXXX and XXXX ), XX/XX/XXXX ( Equifax ) Discrepancies in Late Payments : Equifax reports a late payment for XX/XX/XXXX. 
XXXX and XXXX report a late payment for XX/XX/XXXX. 
The reporting discrepancies and inaccuracies in the payment history negatively impact my credit profile. According to my records, all payments on this account were made on time, and no late payments were incurred during the disputed period. I have attached a copy of my credit reports for your reference. 
Discrepancies Identified : Payment Status Inconsistency : XXXX and Equifax indicate the account as " Current '' but XXXX lists a 30-day late payment for XX/XX/XXXX. 
Late Payment Dates : Equifax lists a 30-day late payment for XX/XX/XXXX, while XXXX and XXXX list the same for XX/XX/XXXX. 
Last Reported Date Discrepancy : XXXX and XXXX report the account as last updated on XX/XX/XXXX, while Equifax lists XX/XX/XXXX. 
Account Terms : Equifax incorrectly lists the number of months as XXXX, whereas XXXX and XXXX correctly list it as XXXX. 
Reference to PAANL ( Paid As Agreed, Never Late ) : As stipulated under the Fair Credit Reporting Act ( FCRA ), it is essential that credit reports reflect accurate information. The payments for this account have consistently been made on time, aligning with the agreement terms. The account should, therefore, be updated to reflect the status of Paid As Agreed, Never Late ( PAANL ). 
This status is critical to maintaining the integrity of my credit report, as it accurately represents my financial responsibility. Any inaccurate or inconsistent reporting not only undermines my creditworthiness but may also violate federally protected consumer rights under the FCRA. 
Request for Investigation : In accordance with the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws, I am requesting : A detailed description of the investigation process used to verify the reported late payments. 
Documentary evidence, including specific dates, amounts, and any communication indicating the payments were late. 
Correction of the account information to accurately reflect my payment history as " Paid As Agreed, Never Late. '' Legal References : Per 15 USC 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must investigate disputes and correct inaccuracies promptly. Furthermore, Section 1681 ( a ) ( 2 ) ( A ) ( i ) prohibits the inclusion of inaccurate information in consumer reports. 
If you can not verify the late payments with accurate and documented evidence, I demand the immediate removal of these late payments and an update to the account reflecting its accurate status. 
Failure to respond or resolve this issue within the legally mandated timeframe of 30 days will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Thank you for your prompt attention to this matter. Please send your response and all requested documentation to my mailing address or email. 
Sincerely, XXXX XXXX XXXX XXXX