Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Late Payments Under 15 U.S.C. 1681i Request for Removal Dear Experian Dispute Department, I am writing to formally dispute inaccurate late payments that are currently being reported on my credit file. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information to ensure accuracy. I believe the late payments listed below are incorrect and should be removed immediately : Accounts with Inaccurate Late Payments : Creditor Name : XXXX XXXX XXXX Reported Late : XX/XX/XXXX Dispute Reason : I was not late on this account. 
Creditor Name : XXXX XXXX XXXX Reported Late : XX/XX/XXXX Dispute Reason : I was never late on this account. 
Creditor Name : XXXX XXXX XXXX Reported Late : XX/XX/XXXX Dispute Reason : I was never late on this account. 
Creditor Name : XXXX XXXX XXXX Reported Late : XX/XX/XXXX Dispute Reason : I was never late on this account. 
Creditor Name : XXXX XXXX XXXX Reported Late : XX/XX/XXXX Dispute Reason : I was never late on this account. 
Creditor Name : XXXX XXXX XXXX  Reported Late : XX/XX/XXXX Dispute Reason : I was never late on this account. 

Creditor Name : XXXX XXXX XXXX Reported Late : XX/XX/XXXX Dispute Reason : I was never late on this account. 
Creditor Name : XXXX XXXX XXXX  Reported Late : XX/XX/XXXX Dispute Reason : I was never late on this account. 
Creditor Name : XXXX XXXX XXXX Reported Late : XX/XX/XXXX Dispute Reason : I was never late on this account. 
Creditor Name : XXXX XXXX XXXX Reported Late : XX/XX/XXXX Dispute Reason : I was never late on this account. 
Creditor Name : XXXX XXXX XXXX  Reported Late : XX/XX/XXXX Dispute Reason : I was never late on this account. 
Creditor Name : XXXX XXXX XXXX  Reported Late : XX/XX/XXXX Dispute Reason : I was never late on this account. 
Creditor Name : CREDIT ACCEPTANCE CORPOR Reported Late : XX/XX/XXXX Dispute Reason : I was never late on this account. 
Creditor Name : XXXX XXXX XXXX Reported Late : XX/XX/XXXX Dispute Reason : I was never late on this account. 
Creditor Name : XXXX XXXX XXXX  Reported Late : XX/XX/XXXX Dispute Reason : I was never late on this account. 
To support my dispute, I am including the following documents : A copy of my government-issued ID Proof of address According to the FCRA, XXXX must complete its reinvestigation within 30 days and either verify the accuracy of the information or delete the disputed late payments from my credit report. If XXXX continues reporting this inaccurate information, I request a detailed explanation of the verification process, including the evidence used to confirm the accuracy of these late payments. 
If XXXX is unable to verify the accuracy of the reported late payments, I demand that they be immediately removed from my credit report. Additionally, I request a corrected copy of my credit report reflecting these changes. 
Failure to comply with this request may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 
I expect XXXX to resolve this matter promptly. Please confirm receipt of this dispute and provide a resolution within the legally mandated timeframe. If you require further information, you may contact me at the information above.. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address SSC