Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Re : Formal Dispute of Inaccurate Late Payments on XXXX  XXXX Account ( # XXXX ) Dear CFPB, I am writing to dispute the inaccurate late payments and discrepancies reported on my credit file for my XXXX  XXXX account ( # XXXX ). These inaccuracies, reflected in the credit reports provided by your bureaus, significantly misrepresent my payment history and creditworthiness. 
After carefully reviewing my records and comparing them to your reports, I have identified several errors and inconsistencies that require immediate correction. 
Specific Issues and Discrepancies Late Payments Reported in Error Your reports show late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which are inaccurate as I have consistently made timely payments on this account through autopay. Additionally : Experian lists XXXX additional late payments that are undocumented and unverifiable in my records or within the attached evidence.

Inconsistencies Across Credit Reports Key data points for the same account vary significantly across your reports : High Balance : XXXX & Experian : {$1600.00} XXXX : {$2500.00} XXXX XXXX : XXXX XXXX Experian : {$2500.00} XXXX : {$0.00} Dates of Last Activity and Reported : XXXX : Last Activity XX/XX/XXXX, Date Reported XX/XX/XXXX Experian : Last Activity XX/XX/XXXX, Date Reported XX/XX/XXXX XXXX : Last Activity XX/XX/XXXX, Date Reported XX/XX/XXXX Payment Amount and Balance Owed : XXXX : Payment {$49.00}, Balance {$1300.00} Experian : Payment {$49.00}, Balance {$1300.00} XXXX : Payment {$53.00}, Balance {$1400.00} Late Payment Counts : XXXX : XXXX  days late ( XXXX ), XXXX  days late ( XXXX ), XXXX days late ( XXXX ) Experian : XXXX  days late ( XXXX ), XXXX  days late ( XXXX ), XXXX days late ( XXXX ) including XXXX unverifiable instances XXXX : XXXX  days late ( XXXX ), XXXX  days late ( XXXX ), XXXX  days late ( XXXX ) These discrepancies demonstrate a failure to maintain accurate and consistent information as mandated by law. 
Applicable Legal Violations Fair Credit Reporting Act ( FCRA ) Under the FCRA, 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, credit bureaus and furnishers are legally obligated to ensure the maximum accuracy of consumer credit files. Reporting errors, such as unverifiable late payments and inconsistent account details, constitutes a violation of this federal law. 
Fair Debt Collection Practices Act ( FDCPA ) If the false late payments stem from misrepresentation by the furnisher, this may constitute a violation of the FDCPA, which prohibits deceptive practices regarding credit accounts.

Truth in Lending Act ( TILA ) The inaccuracies also violate TILA, which requires accurate and truthful credit reporting by creditors and agencies.

Liabilities for Noncompliance Per 15 U.S.C. 1681n and 15 U.S.C. 1681o, noncompliance with the FCRA exposes credit bureaus and furnishers to liability for damages, including actual damages, attorneys fees, and punitive damages in cases of willful noncompliance. 
Requested Resolution Immediate Removal of Late Payments : Remove the inaccurately reported late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as the XXXX unverifiable late payments listed by Experian. 
Correction of Account Discrepancies : Update the following data points to reflect accurate information : High Balance Credit Limit Dates of Last Activity and Reported Payment Amount and Balance Owed Written Confirmation of Resolution : Provide written confirmation of the corrections within XXXX  days of receipt of this letter. 
Attachments I have included the following documents to support my dispute : A copy of my recent credit report highlighting the errors. 
Additional documentation verifying my autopay enrollment and account activity. 
Thank you for addressing this matter promptly and ensuring compliance with federal consumer protection laws. Please direct all correspondence to the contact information provided above. 
If this issue is not resolved within the required timeframe, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue other legal remedies to protect my rights. 
Sincerely, XXXX XXXX XXXX