Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Account # XXXX Dear CFPB, I am submitting this complaint regarding inaccurate late payments 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 U.S.C. 1681i and 15 U.S.C. 1681s-2 ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collection 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 FCRA, specifically articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), outline 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.

Summary of Errors and Discrepancies : Inaccurate Late Payment Reporting : XXXX : Incorrectly reports XXXX, XXXX, and XXXX late payments for XXXX, XXXX, and XX/XX/year>, respectively. 
Experian and XXXX : Incorrectly report XXXX, XXXX, and XXXX late payments for XXXX, XXXX, and XX/XX/year>, respectively. 
Inconsistent Payment History Across Bureaus : Different credit bureaus report varying months for the late payments, indicating inconsistency and lack of data accuracy.

Violation of Payment Status : Despite showing " Current '' under the account 's Payment Status, the late payment history contradicts this status.

Autopay Enrollment Overlooked : The account has been enrolled in autopay since its opening, which should automatically prevent late payments, further proving the inaccuracy of the reported delinquencies.

Misrepresentation of Account History : The errors and discrepancies create a false narrative of the payment history, negatively affecting my creditworthiness.

Potential Noncompliance with FCRA : The inconsistencies and inaccuracies violate the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ) requirements for accuracy and timely correction of errors in consumer credit reports.

Requested Resolution : I respectfully request that Experian conduct a thorough investigation 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.

Additionally, 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.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX