Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, After completing the investigation outlined in this dispute, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

I recently reviewed my credit report and noticed discrepancies in the reporting of an account that was not accurate. The account in question, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), is reporting late payments and additional discrepancies that do not align with my payment history or account details. 
Account Errors Identified : Late Payments : XXXX and XX/XX/XXXX late payments on TransUnion and XXXX. 
XX/XX/XXXX late payment on XXXX. 
These are inaccurate as payments were made on time. 
Last Verified : The reported last verification dates across bureaus are inconsistent and incorrect. 
Date of Last Activity : Differing and inaccurate " Date of Last Activity '' reported across the bureaus. 
Creditor Remarks : Remarks such as " Dispute resolved ; reported by grantor '' and " Account previously in dispute- now resolved by data furnisher '' are inaccurate and misleading. 
Last Payment : The reported " Last Payment '' dates are inconsistent and do not match the actual payment records. 
Account Details : Account Type : Auto Loan High Balance : {$24000.00} Balance Owed : {$11000.00} Monthly Payment : {$540.00} Date Opened : XX/XX/XXXX Dispute Status : Account previously in dispute, now resolved Credit Limit : {$0.00} Past Due Amount : {$0.00} Payment Status : Current Supporting Evidence To support my dispute, I am attaching the following documents as evidence : Correspondence from the Creditor : Verifying the results of the previous dispute and confirming the account status. 
Previous Dispute Letter : Detailing the inaccuracies addressed in the earlier investigation. 
Personal Documents : Including a copy of my ID and proof of address to confirm my identity. 
Violations of the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting.

15 USC 1681i ( a ) ( 1 ) : Requirement to reinvestigate disputed information.

15 USC 1681c ( a ) ( 2 ) ( A ) : Inaccurate late payments negatively impacting my report must be removed.

15 USC 1666 ( b ) : Obligation to ensure proper procedures for payment notification and recordkeeping. 
If the reported late payments and errors can not be verified with supporting evidence, I demand the following : Immediate correction of the account status to " Paid As Agreed Never Late. '' A written description of the procedures used in your investigation, including how information was verified and any documentation provided by the data furnisher. 
Correction of all inaccurate fields, including " Last Verified, '' " Date of Last Activity, '' " Creditor Remarks, '' and " Last Payment. '' I expect your agency to comply with the legal requirements under the FCRA and provide a response within 30 days as mandated. If you can not resolve the dispute within this timeframe, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
Your cooperation is critical to maintaining the accuracy and integrity of my credit report. Thank you for your attention to this matter, and I look forward to a resolution promptly. 
Sincerely, XXXX XXXX XXXX