Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments on XXXX XXXX Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate late payment entries reported on my credit file for the XXXX XXXX account. The late payment entries listed on my credit report are incorrect and do not accurately reflect my payment history. Nature of the Complaint : 1. Inaccurate Reporting : All three bureaus ( Experian, XXXX, and XXXX ) have reported late payments for this account from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX, despite my records showing that all payments were made on time. 2. Discrepancies in Reporting : The account status is reported as " Closed '' and " Current '' by all three bureaus, indicating no delinquency at the time of account closure. 
The payment history contradicts itself by showing the account as current but simultaneously reporting late payments. XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : These inaccuracies violate my rights under the FCRA ( 15 USC 1681i and 1681s-2 ), which require credit reporting agencies and furnishers to ensure the accuracy and completeness of the information reported. 4. Potential Violations of Other Laws : Truth in Lending Act ( TILA ) : The misrepresentation of my payment history violates TILAs standards for accurate reporting. Fair Debt Collection Practices Act ( FDCPA ) : Reporting inaccurate late payments may also constitute misrepresentation under the FDCPA. Evidence of Errors and Discrepancies : The following discrepancies were identified based on your reports and my records : Account Details : Account Number : XXXX High Balance : {$18000.00} ( all bureaus ). 
Last Verified : Not specified by Experian or XXXX ; XXXX lists XX/XX/XXXX. 
Last Payment : XX/XX/XXXX ( XXXX and Experian ), XX/XX/XXXX ( XXXX ). 30-Day and 60-Day Late Payments : All bureaus report 30-day late payments for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX, and 60-day late payments for XXXX and XX/XX/XXXX, which are incorrect. 
Account Status : All bureaus report the account as closed, current, and paid in full, which contradicts the late payment entries. Requested Resolution : I respectfully request that Experian, XXXX, and XXXX : 1. Conduct a thorough investigation into this matter. 2. Remove the inaccurate late payment entries for XX/XX/XXXX through XX/XX/XXXX from my credit report. XXXX. Ensure that the account is reported as 100 % on-time in payment history, consistent with its " Current '' and " Closed '' status. Legal Provisions Supporting This Request : The Fair Credit Reporting Act ( FCRA ) explicitly states : 15 U.S.C. 1681i : Credit reporting agencies must reinvestigate and correct disputed information. 15 U.S.C. 1681s-2 : Information furnishers must ensure accuracy and promptly correct errors. Additionally : 15 U.S.C. 1681n and 15 U.S.C. 1681o outline civil liabilities for willful and negligent non-compliance, including actual and punitive damages. Supporting Documents : Enclosed are the following documents to support my dispute : 1. A copy of my credit report from Experian, XXXX, and XXXX highlighting the errors. 2. Payment records verifying my consistent on-time payment history. 
I kindly request written confirmation of the corrections made to my credit reports within 30 days of this submission. If this matter is not resolved promptly, I may pursue further action to protect my rights under federal law. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX