Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments on XXXX XXXX XXXX XXXX XXXXXXXX Dear CFPB, I am writing to formally dispute inaccurate late payment entries reported on my credit file for the XXXX XXXX  account. These entries contain errors and do not accurately reflect my payment history. Nature of the Complaint : XXXX. Inaccurate Reporting : Both Experian and XXXX have reported a 30-day late payment for XX/XX/XXXX, which is inaccurate. My payment history confirms that I have made all payments on time for this account. 2. Discrepancies in Account Details : Experian reports a 30-day late payment inaccurately for XX/XX/XXXX despite the account being in good standing with no past-due balance. 
XXXX also reports a 30-day late payment for the same period, contradicting my actual on-time payment history. 3. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1681i and 1681s-2 ), which require credit reporting agencies and furnishers to maintain the accuracy of the information reported. 4. Other Legal Violations : Truth in Lending Act ( TILA ) : The inaccurate late payment entry misrepresents my payment history, violating TILAs standards for accuracy in reporting. Fair Debt Collection Practices Act ( FDCPA ) : The false reporting may constitute misrepresentation under the FDCPA. Evidence of Errors and Discrepancies : The following discrepancies were identified based on your reports and my account records : Account Details : Account Number : XXXX High Balance : {$560.00} ( Experian and XXXX XXXX, {$0.00} ( XXXX XXXX. 
Last Verified : Experian ( not specified ) ; XXXX reports XX/XX/XXXX. 
Last Payment : XXXX and Experian report XX/XX/XXXX, while XXXX reports XX/XX/XXXX. XXXX Late Payment : Experian and XXXX both report a late payment for XX/XX/XXXX, which is incorrect. 
Account Status : All bureaus report the account as open and current, which contradicts the presence of a late payment. Requested Resolution : I respectfully request that Experian and XXXX : 1. Conduct a thorough investigation into this matter. 2. Remove the inaccurate 30-day late payment entry for XX/XX/XXXX from my credit report. XXXX. Confirm that my payment history reflects 100 % on-time payments for the XXXX XXXX account. Legal Provisions Supporting This Request : The Fair Credit Reporting Act ( FCRA ) explicitly states : 15 U.S.C. 1681i : Credit reporting agencies must reinvestigate and correct disputed information. 15 U.S.C. 1681s-2 : Information furnishers must ensure accuracy and promptly correct errors. Additionally : 15 U.S.C. 1681n and 15 U.S.C. 1681o outline civil liabilities for willful and negligent non-compliance, including actual and punitive damages. Supporting Documents : Enclosed are the following documents to support my dispute : 1. A copy of my credit report from Experian and XXXX highlighting the errors. XXXX. Payment records verifying my consistent on-time payment history. 
I kindly request written confirmation of the corrections made to my credit reports within 30 days of this submission. If this matter is not resolved promptly, I may pursue further action to protect my rights under federal law. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX