Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Formal Dispute and Request for Investigation Regarding Late Payment Reporting Dear CFPB, I am writing to dispute the inaccurate reporting of late payments on my credit report for an account that I have consistently paid on time. Despite a previous dispute, the errors remain uncorrected, which raises significant concerns about the accuracy and integrity of the information reported on my credit file. 
Summary of Errors and Discrepancies Inaccurate Late Payments : The account inaccurately reflects late payments, even though my payment history and records confirm all payments were made on time. 
Conflicting Payment Histories Across Bureaus : TransUnion and XXXX report late payments, while XXXX has failed to provide a consistent or accurate payment history. This inconsistency violates the Fair Credit Reporting Act ( FCRA ) requirements for accurate and verifiable information. 
Failure to Update After Initial Dispute : A prior dispute regarding these inaccuracies resulted in no updates or changes, which suggests non-compliance with 15 USC 1681i, requiring a reasonable reinvestigation of disputed information.

Violation of FCRA Requirements : Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate or unverifiable information. The continued reporting of these inaccuracies is a clear violation. 
Lack of Documentation and Verification : XXXX has not provided any documentation or evidence to substantiate the reported late payments. This failure to verify disputed information undermines the reliability of my credit report. 
Misclassification of Account Status : The account is classified as " Closed '' and " Paid, '' yet the reported late payments contradict this status. Based on my consistent and timely payments, the correct designation for the account is " Paid As Agreed, Never Late. '' Reference to " Paid As Agreed, Never Late '' : The terms of my agreement with the creditor were fully adhered to, and all payments were made on time. Reporting late payments on this account is both inaccurate and damaging to my credit report. Per the FCRA, it is imperative that credit reporting agencies ensure all reported information reflects the truth. The account in question should clearly reflect a status of " Paid As Agreed, Never Late '' to accurately represent my financial responsibility.

If you are unable to substantiate the reported late payments with verifiable evidence, I demand that the account be updated immediately to reflect this accurate status. 
Requested Actions Immediate Correction : Update the account to reflect " Paid As Agreed, Never Late '' and remove all inaccurate late payment notations. 
Detailed Description of Investigation Process : Provide a full description of the investigation procedures conducted to verify the accuracy of the reported information, as required by 15 USC 1681i ( 7 ).

Provision of Documentation : Submit any documentation or evidence used to verify the late payments. If such proof can not be provided, the inaccurate entries must be deleted promptly.

Supporting Documentation Copy of my ID : To verify my identity.

Social Security Card : To match my records with your database. 
Highlighted Credit Report Sections : Detailing the discrepancies. 
This is my second dispute regarding this matter. The lack of resolution from my initial dispute reflects a failure to comply with the FCRA 's requirements for accurate and fair reporting. If this issue is not addressed promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
I look forward to your written response within the 30-day period mandated by the FCRA. 
Sincerely, XXXX XXXX XXXX