Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on My Credit Report Complaint Details : 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.

Requested Resolution : I request that Experian conduct a thorough investigation into this matter 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. 

Payment History Discrepancies : The XXXX XXXX account on my credit report contains multiple inaccuracies and discrepancies across XXXX, Experian, and XXXX. The reported information includes inconsistent account opening dates, differing credit limits, and inaccurate late payment records. Specifically : XXXX does not report any late payments, which aligns with my actual payment history. 
Experian incorrectly reports two 30-day late payments for XX/XX/XXXX and XX/XX/XXXX. 
XXXX shows a 30-day late payment for XX/XX/XXXX. 
Additionally, past due balances and high credit amounts vary across the bureaus, and the account status comments are inconsistently reported.

Evidence of Timely Payments As evidence that my payments were made on time, I have attached copies of my payment receipts confirming the dates and amounts paid. These documents substantiate that I maintained a perfect payment history and that the reported late payment is incorrect.

Attachments : Bank statements showing on-time payments.

Identification and Social Security verification.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX