Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian. These late payments are erroneous and do not accurately reflect my payment history for XXXX Account XXXX XXXX. 
Complaint Details Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, and I am enrolled in autopay for all my accounts to ensure timely payments. 
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 it misrepresents my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of incorrect late payments may constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages. 
Discrepancies in Payment History The discrepancies in reporting by each bureau are as follows : XXXX : Reports incorrect late statuses with 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, 90 days late in XX/XX/XXXX, and 120 days late in XX/XX/XXXX. Additionally, it shows a 30-day late status in XX/XX/XXXX and a 60-day late status in XX/XX/XXXX. These entries are inaccurate, as all payments were made on time. 
Experian : Similarly, shows erroneous late statuses of 30 days late in XXXX XXXX  60 days late in XXXX XXXX  90 days late in XX/XX/XXXX, and 120 days late in XX/XX/XXXX. It also reports a 30-day late status in XX/XX/XXXX and a 60-day late status in XX/XX/XXXX, which are incorrect and do not reflect the actual payment history. 
XXXX : Reflects inaccurate late statuses of 30 days late in XXXX XXXX, 60 days late in XX/XX/XXXX, and 90 days late in XX/XX/XXXX, followed by a 120-day late status in XX/XX/XXXX. Additionally, XXXX shows a 30-day late status in XX/XX/XXXX and another 60-day late status in XX/XX/XXXX. These reported late payments are incorrect. 
These entries are inaccurate, as all payments were made on time, and this misrepresentation has unjustly affected my creditworthiness. 
Requested Resolution I request that Experian conduct a thorough investigation and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments : Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX