Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Dispute and Request for Investigation Regarding Late Payment Reporting Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my credit report for the account listed below. This is my second dispute regarding this matter, as the errors remain uncorrected despite my prior request for investigation. It is unacceptable that no action has been taken to address these inaccuracies, which negatively impact my credit profile and violate the Fair Credit Reporting Act ( FCRA ). 
Account Details Account Name : XXXX XXXX Account Number : XXXX Summary of Errors and Discrepancies Inaccurate Late Payments : The account inaccurately reflects multiple late payments ( 30, 60, and 90 days late ), as reported by all three credit bureaus. However, my payment records confirm all payments were made on time. 
Inconsistent Reporting Across Bureaus : Each bureau presents conflicting information regarding the late payments, account status, and reporting dates. This inconsistency undermines the reliability and accuracy of my credit report. 
Failure to Update After Initial Dispute : My initial dispute provided evidence of timely payments, yet no corrections were made. This lack of resolution violates 15 USC 1681i, which mandates a reasonable reinvestigation of disputed information.

Misclassification of Account Status : The account is appropriately marked as " Closed '' and " Paid, '' yet the late payment notations contradict this classification. The account should accurately reflect a status of " Paid As Agreed, Never Late. '' Violation of FCRA Requirements : Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate or unverifiable information. Equifax 's continued reporting of these errors violates federal law.

Lack of Verification : Equifax, Experian and TransUnion have not provided any documentation to substantiate the reported late payments. This failure to verify disputed information is a breach of its obligations under the FCRA.

Reference to " Paid As Agreed, Never Late '' I have consistently adhered to the terms of my agreement with the creditor, and my payment history confirms all obligations were met on time. The account should reflect a status of " Paid As Agreed, Never Late '' to accurately represent my financial responsibility. Reporting inaccurate late payments misrepresents my creditworthiness and is in direct violation of federal reporting standards.

Requested Actions Immediate Correction : Remove the inaccurate late payment notations and update the account to reflect " Paid As Agreed, Never Late. '' Detailed Investigation Process : Provide a full description of the investigation procedures conducted during my initial dispute, as required by 15 USC 1681i ( 7 ).

Provision of Documentation : Submit any documentation or proof used to verify the late payments. If such proof can not be provided, delete the erroneous information immediately.

Supporting Documentation For your review, I have attached the following documents : Copy of My ID and Social Security Card : To verify my identity.

Highlighted Credit Report Sections : Detailing the discrepancies.

This is my second attempt to resolve this issue. If these inaccuracies are not corrected promptly, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities.

I appreciate your immediate attention to this matter and expect a written response within the 30-day timeframe mandated by the Fair Credit Reporting Act. 
Sincerely, XXXX XXXX XXXX