Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate late payment reporting on my credit report for the above-referenced account. After reviewing my credit report, I identified a late payment erroneously reported for XX/XX/XXXX. The account in question is with XXXX XXXX XXXX XXXX and is reflected in your records with the following details : Account Details Account Number : XXXX High Balance : {$8200.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6100.00} Closed Date : N/A Account Rating : Open Account Description : Individual Account Dispute Status : Not Disputed Creditor Type : All Banks Account Status : Open Payment Status : Pays Account as Agreed Creditor Remarks : None Payment Amount : {$130.00} Last Payment : XX/XX/XXXX Term Length : N/A Past Due Amount : {$0.00} Account Type : Revolving Payment Frequency : Monthly Credit Limit : {$8000.00} Discrepancies in Payment History According to the Equifax-reported payment history, a XXXX late payment is listed for XX/XX/XXXX. This late payment is inaccurate, as I have consistently paid this account on time. I have attached supporting documentation, including my credit report highlighting this inaccurate entry and personal identification documents to validate my dispute. 
Reference to Fair Credit Reporting Act ( FCRA ) Violations Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure that all information reported is accurate and verifiable. Specifically : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : My consumer report should not contain information solely as to transactions or experiences between me and the creditor without proper verification.

15 USC 1666 ( b ) : Reasonable procedures must ensure that each periodic statement is mailed to me not later than XXXX  days before the due date.

15 USC 1637 ( b ) : Accurate and complete information must be disclosed in periodic statements, including the payment due date.

Requested Action I kindly request that Equifax : Conduct a thorough investigation into the accuracy of the reported late payment.

Provide a detailed description of the investigation process per 15 USC 1681i ( a ) ( 7 ). 
Update the payment status for XX/XX/XXXX to reflect " Paid As Agreed, Never Late. '' If you are unable to provide verifiable proof of the late payment, correct the reporting immediately to align with the accurate payment history. 
Supporting Evidence I have attached the following documents to support my dispute : A copy of my credit report highlighting the inaccurate entry. 
Personal identification documents for verification purposes. 
Response Timeline Under the FCRA, you are required to complete your investigation and provide a written response within XXXX  days from the receipt of this dispute. If you can not verify the accuracy of the reported late payment, I expect it to be corrected promptly. 
Thank you for your prompt attention to this matter. I look forward to your resolution and response within the time frame required by law. 
Sincerely, XXXX XXXX XXXX XXXX