Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments on XXXX XXXX  Account Dear CFPB, I am writing to formally dispute the inaccurate late payments reported on my credit file by Experian and XXXX regarding my account with XXXX XXXX XXXX These reported late payments are incorrect and do not reflect my payment history accurately. Below, I have outlined the account details and identified the discrepancies for your review : Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX High Balance : {$2900.00} Date Opened : XX/XX/XXXX Date Reported : Experian : XX/XX/XXXX ; XXXX : XX/XX/XXXX XXXX of Last Activity : Experian : XX/XX/XXXX ; XXXX : XX/XX/XXXX XXXX Owed : {$0.00} Closed Date : Not Reported Account Rating : Paid Account Description : Individual ( Experian ) ; Closed or paid account/zero balance ( XXXX ) Account Status : XXXX Payment Status : Late 90 Days Payment Amount : {$0.00} Last Payment Date : Experian : XX/XX/XXXX ; XXXX : XX/XX/XXXX Term Length XXXX 3 Months Account Type : Unsecured Loan Credit Limit : {$0.00} Discrepancies and Errors : Inaccurate Late Payment Reporting : XXXX incorrectly reports late payments for XX/XX/XXXX and XX/XX/XXXX, while Experian erroneously reports late payments for XX/XX/XXXX through XX/XX/XXXX. 
Contradictory Payment History : Experians payment history lists " OK '' for XX/XX/XXXX, followed by XXXX, XXXX, and XXXX late payments for XXXX, XXXX, and XX/XX/XXXX, respectively. This contradicts the accounts closed status and my documented payment records. 
XXXX payment history includes late payments without sufficient explanation or supporting evidence. 
Conflict with Autopay Enrollment : I have been enrolled in autopay for this account, and my payments have been consistently made on time. These reported late payments are unfounded and conflict with my established history of timely payments.

Inconsistencies Across Credit Bureaus : XXXX does not report any late payments for this account, while Experian and XXXX report differing late payment dates, further highlighting inaccuracies in the data. 
Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and fair reporting of my credit information. The inaccurate reporting of late payments constitutes violations of the following provisions : 15 U.S.C. 1681e ( b ) : Mandates credit reporting agencies to ensure maximum possible accuracy of consumer information.

15 U.S.C. 1681i : Requires credit bureaus to promptly investigate and correct disputed information.

15 U.S.C. 1681s-2 : Obligates furnishers of credit information to ensure accuracy and correct errors.

Additionally, these discrepancies may violate the Fair Debt Collection Practices Act ( FDCPA ) and Truth in Lending Act ( TILA ), which require truthful and accurate reporting to protect consumers from harm.

Requested Resolution : I request that Experian and XXXX conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit file. I also request that the account entries be updated to accurately reflect my on-time payment history. Please provide written confirmation of these corrections within 30 days of receiving this dispute. 
Failure to resolve this issue promptly may result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. Please feel free to contact me at your earliest convenience if additional information is needed to process this dispute. 
Sincerely, XXXX XXXX