Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Dispute of Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally dispute inaccuracies reported on my credit file regarding my XXXX XXXX  account. Upon reviewing my credit report, I have identified several errors and inconsistencies that violate my rights under the Fair Credit Reporting Act ( FCRA ). 
Account Details Account Name : XXXX XXXX  Account Number : XXXX Credit Limit : {$500.00} ( reported consistently across all three bureaus ) Account Status : Open Payment Status : Current Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX  ( TransUnion )/ XX/XX/XXXX ( XXXX and XXXX XXXX Errors Identified Incorrect Late Payments : TransUnion and XXXX : Report late payments of 30 days in XX/XX/XXXXXXXX  and 60 days in XX/XX/XXXX. 
XXXX : Reports late payments of 30 days in XX/XX/XXXXXXXX  and 60 days in XX/XX/XXXX. 
These late payments are inaccurate, as I have always made my payments on time and have been enrolled in autopay, which ensures timely payments. 
Inconsistent Reporting Across Bureaus : High Balance : TransUnion and XXXX : {$1000.00} XXXX : {$0.00} ( incorrect ) Date of Last Activity : TransUnion : XX/XX/XXXXXXXX XXXXXXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Date Reported : TransUnion and XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Violations of Applicable Laws Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i and 1681s-2 : The inaccurate reporting of late payments and inconsistent information fails to meet the FCRAs requirement for maximum accuracy. Furnishers and credit reporting agencies are obligated to investigate and correct such errors promptly. 
Civil Liability under FCRA ( 15 U.S.C. 1681n and 1681o ) : Failure to comply with the FCRA may result in civil liability for willful or negligent noncompliance, including damages, attorneys fees, and possible punitive damages.

Truth in Lending Act ( TILA ) : The discrepancy in the reported high balance and the false late payments constitute a violation of accurate reporting requirements under TILA.

Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Misrepresentation of my payment history may also violate the FDCPA, which protects consumers from deceptive and unfair practices.

Requested Actions Correction of Late Payments : Remove the inaccurate late payments reported for XX/XX/XXXX and XX/XX/XXXX ( XXXX ) and XX/XX/XXXX and XX/XX/XXXX ( TransUnion and XXXX ). These entries are demonstrably false and misrepresent my payment history. 
Update Inconsistent Information : Align the High Balance to {$1000.00} across all three bureaus.

Correct and standardize the Date of Last Activity and Date Reported to reflect accurate and consistent information. 
Provide Written Confirmation : Provide me with a written statement confirming the corrections made to my credit report. 
Supporting Evidence I have attached relevant documentation, including account statements and proof of my enrollment in autopay, demonstrating that these late payments are erroneous. 
Under the FCRA, you are required to investigate and respond to my dispute within 30 days of receiving this letter. Failure to resolve these errors within the required timeframe may lead to further legal action to protect my rights as a consumer.

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that these inaccuracies have been corrected. 
Sincerely, XXXX XXXX XXXX XXXX