Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute Regarding Inaccurate Late Payments Dear CFPB, I am writing to formally dispute inaccurate late payment information reported on my credit file for the XXXX  XXXX account ( Account # XXXX ). Despite submitting a previous dispute regarding this issue, no updates or corrections have been made, and the inaccurate information persists. I am requesting a reinvestigation and a detailed description of the investigation process, as mandated by the Fair Credit Reporting Act ( FCRA ) under 15 USC 16811 ( 7 ).

Disputed Information : The following account contains inaccuracies in the reporting of late payments that are inconsistent with my payment history : Account Name : XXXX  XXXX Account Number : XXXX Credit Bureaus Involved : TransUnion XXXX XXXX, XXXX XXXX of Account : Bank Credit Card Specific Errors Identified : Late Payment Reporting : TransUnion XXXX XXXX, and XXXX have each reported late payments for multiple months ( as detailed below ), which contradict my actual payment history of on-time payments.

Status Discrepancies : The account is marked as " Open '' and " Current, '' yet it is simultaneously flagged for late payments without valid supporting evidence.

Remarks : Conflicting comments across bureaus, such as " Dispute resolved ; reported by grantor '' ( TransUnion ) and " Consumer disputes - reinvestigation in progress '' ( XXXX ), suggest improper verification processes. 

Impact : These inaccuracies directly affect my credit score and misrepresent my creditworthiness.

I urge a thorough review of this account to address these discrepancies promptly. Attached, you will find relevant documentation to assist with your investigation, including a highlighted credit report where the inaccuracies are clearly marked. 
Summary of the Issue : To the best of my knowledge and records, I have consistently paid this account on time, in accordance with the terms of the agreement. These late payments are inaccurately reported and negatively impact my creditworthiness.

Legal References : Under the FCRA : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : Consumer reports should not contain inaccurate information related to transactions between the consumer and the data furnisher.

15 USC 1666 ( b ) : Procedures must be in place to ensure periodic statements are mailed no later than 21 days before the payment due date.

Requested Actions : Conduct a reinvestigation of this account and provide a written description of the process used to verify the reported late payments.

Remove all inaccuracies from my credit report and update the account status to reflect Paid As Agreed Never Late.

Provide documented proof supporting the reported late payments, including dates, amounts, and correspondence.

If you are unable to validate the late payments, I demand that the inaccurate information be corrected immediately. Please note, failure to rectify this matter within the legally mandated 30-day timeframe will constitute a violation of the FCRA.

Thank you for your prompt attention to this matter. I expect a resolution in line with the FCRA and a written response regarding your findings. 
Sincerely, XXXX XXXX XXXX