Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Formal Dispute Regarding Inaccurate Late Payment Reporting on My Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
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 they misrepresent my creditworthiness. 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the 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 and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 
Summary of Errors Across All Bureaus : Inaccurate Late Payments : XXXX : Incorrectly reports a 30-day late payment in XXXX, despite payments being made on time through autopay. 
Experian : Also lists a 30-day late payment in XXXX, which conflicts with verified payment records. 
XXXX : Reports a 30-day late payment in XXXX, which is inaccurate based on documented evidence of on-time payments. 
Discrepancies in Reporting Details : Date of Last Activity : XXXX and Experian report XX/XX/2024, while XXXX lists XX/XX/2024. 
Two-Year Payment History : Inconsistencies in late payment reporting : XXXX and Experian show errors in XXXX, while XXXX shows an error in XXXX. 
Requested Resolution I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that this entry be updated to reflect my true payment history of 100 % on-time payments. 
Additionally, I request written documentation confirming the removal of this late payment entry 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 Bank statements confirming timely payment. 
Screenshot of autopay enrollment. 
Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX XXXX