Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on My Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments and discrepancies reported on my credit file for my XXXX  XXXX account ( Account # : XXXX ). These inaccuracies violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant U.S. laws. Below, I have outlined the nature of the complaint, including specific errors, violations, and my requested resolution. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for this account are inaccurate and do not align with my payment history. I have consistently made my payments on time and have been enrolled in autopay for this account. 
The report from Experian indicates a 30-day late payment ; however, the report does not clearly specify the month or year of this alleged late payment. My payment history shows no record of late payments. 
The lack of a specific date for this reported late payment violates the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to ensure the accuracy and completeness of the information in consumer reports. Without a clear and specific date, this entry should be considered unverifiable and must be corrected or removed. 


High Balance Discrepancy : The high balance for this account is reported as {$3000.00} in some entries and {$6000.00} in others. This inconsistency undermines the credibility of the information. 
Last Verified Date Error : The last verified date is missing or inconsistent across entries, creating confusion and potential harm to my creditworthiness. 
Credit Limit Inaccuracy : The reported credit limit for this account is {$6000.00} in some instances and {$0.00} in others. This discrepancy impacts my utilization ratio and overall credit score calculation. 
Violation of FCRA : These inaccuracies violate my rights under the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681i : Requires credit bureaus to conduct a reasonable reinvestigation of disputed information. 
15 U.S. Code 1681s-2 : Mandates furnishers of information to provide accurate data. 
Violation of Other Consumer Protection Laws : Truth in Lending Act ( TILA ) : Mandates accurate reporting of credit information. 
Fair Debt Collection Practices Act ( FDCPA ) : Protects consumers from false or misleading representations about their accounts. 
Requested Resolution : I request that Experian : Conduct a thorough investigation into this matter as required under 15 U.S. Code 1681i. 
Correct the inaccurate late payments and ensure that my credit file accurately reflects my 100 % on-time payment history. 
Update all discrepancies in the high balance, credit limit, and last verified date fields. 
Provide written confirmation of these corrections within 30 days of receipt of this letter. 
Failure to resolve this matter promptly may lead to further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies as outlined under FCRA Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ). 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX