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

DATE : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX TO : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : XXXX XXXX. 

RE : Remove Inaccurate Late Payments Dear Experian, and/or agent, I, XXXX XXXX XXXX consumer, have recently received a copy of my consumer report dated XX/XX/2022 and am frustrated to have found so many inaccurate accounts being furnished in error. Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. So please tell me why any late payment is being reflected on any account on my consumer report. 

XXXX has noted that Experian is not backed by any government agency and is simply an elaborate mechanism developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. XXXX has also made it clear that Experian have assumed a vital role in assembling and evaluating consumer credit and other information on consumers pursuant to 15 USC 1681. 

Because of your constant neglect to appropriately carry out your job, it is costing me by ruining my consumer report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have ever been late. Ive already contacted the creditor to correct this inaccurate information but it is also my understanding that you will recheck these items with the creditor who has posted them. 

Per Congress, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian acted impartially towards me because you furnished inaccurate information, defaming my character and reputation, with no proof. 

Congress establishes that the purpose of the Fair Credit Reporting Act requires consumer reporting agencies to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer. Late payments being reflected on my consumer report is neither fair or equitable to me. 

Not to mention, I never gave you, Experian, OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b as well as 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) because information solely as to transactions or experiences between the consumer and the person making the report should be EXCLUDED from a consumer report so you no have the authority to furnish this information. Experian has caused severe stress and anxiety due to these abusive and unfair practices. 


The following accounts were NEVER late and should be reflected on your records as ON TIME or PAID AS AGREED. 

Account Number : XXXX - XXXX XXXX XXXXXXXX XXXX XX/XX/2022 Please update the account as Paid/Current. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( i ) ( a ), you must complete this reinvestigation within XXXX days of receipt of this letter. I DO NOT CONSENT TO THE USE OF E-OSCAR AS A METHOD OF VERIFICATION! 

Please send an updated copy of my credit report reflecting the requested changes. 

As a gentle reminder, this is my first and final attempt to peacefully rectify this situation. Thank you for your help in this matter. 

NOTICE OF ACKNOWLEDGMENT Upon the receipt of this notice, you are hereby notified pursuant to XXXX XXXX. 

Your prompt attention and response are both requested and required. 

Kind Regards, XXXX : XXXX Without XXXX, All Natural Inalienable Rights Reserved.