Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX, DE XXXX -- -- -- -CFPB THIS IS THE LETTER THAT I SENT TO BOTH CREDIT AGENCIES -- -- - 1st Letter Sent XX/XX/2023 and 2nd Letter Sent XX/XX/2023 EXPERIAN and XXXX Subject : Request for Immediate Removal of Late Payments from Credit Report Dear EXPERIAN AND XXXX I hope this letter finds you in good health and high spirits. I am writing to bring your attention to a matter of utmost importance regarding my credit report, specifically the inclusion of late payments reported by on my Experian and XXXX credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As per the regulations set forth in the United States Code, I would like to highlight the following sections which clearly state the illegality of reporting late payments to credit bureaus without following due process and violating my rights as a consumer : 1. Fair Credit Reporting Act ( FCRA ) - 15 USC 1681s-2 ( b ) : This section of the FCRA outlines the responsibilities of furnishers of information ( creditors ) regarding the accurate reporting of consumer information to credit bureaus. It states that if a consumer notifies the creditor of a dispute regarding the completeness or accuracy of information, the creditor must conduct an investigation into the disputed information and report the results back to the consumer.

2. 15 USC 6802 ( b ) : The Financial Services Modernization Act, commonly known as the Gramm-Leach-Bliley Act, outlines consumer privacy and information sharing practices. This section enforces the protection of personal information, ensuring that data shared by creditors regarding late payments is done so in compliance with legal guidelines.

3. Electronic Fund Transfer Act ( EFTA ) - 15 USC 1693o-2 : The EFTA regulates electronic fund transfers, including debit and credit card transactions. If a consumer reports an error or unauthorized transaction, the creditor is required to investigate and provide the consumer with a written report of the investigation 's findings.

4. Truth in Lending Act ( TILA ) - 15 USC 1666 : The TILA provides protection for consumers in credit billing and credit card dispute situations. Under this law, the creditor must investigate any billing dispute raised by the consumer and provide a written investigation report to the consumer. The Truth in Lending Act ensures fair and accurate credit billing and lending practices. This section mandates that creditors must investigate any dispute raised by a consumer and respond with a proper investigation report on the matter. 

Considering the aforementioned legal provisions, I kindly request an immediate step-by-step investigation/process into the manner in which XXXX retrieved and reported the alleged late payments to your agency. I am exercising my rights as a consumer to request a detailed investigation report, in accordance with 15 USC 1666, to verify the accuracy of the reported information on my credit file. 

Moreover, I assert that the inclusion of these late payments on my credit report is contrary to the guidelines set forth by the aforementioned legislations and Consumer Financial Protection Bureau. Consequently, I demand the immediate removal of these late payments from my credit report, as mandated by law. 

I trust that you will handle this matter with the utmost urgency and professionalism, adhering to the legal obligations imposed on credit bureaus to safeguard consumer rights and ensure accurate credit reporting. 

Thank you for your prompt attention to this matter. I look forward to your response within the statutory period of thirty days. Please provide confirmation of receipt of this letter, along with the initiation of an investigation into the reported late payments. 

Sincerely, XXXX XXXX