Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments and Account Discrepancies on XXXX XXXX XXXX XXXX XXXX  Dear CFPB, I am writing to formally dispute inaccuracies and discrepancies in the reporting of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. Specifically, I am disputing an inaccurately reported late payment for XX/XX/XXXX, as well as inconsistencies in key account details across your credit bureau. I previously submitted disputes on XX/XX/XXXX and XX/XX/XXXX, but no changes have been made. 
Discrepancies and Issues Identified : Late Payment for XX/XX/XXXX : The reported late payment for XX/XX/XXXX is inaccurate. My payment history and attached evidence, including bank statements and payment confirmations, demonstrate that the account has always been paid on time. 
High Balance : XXXX and XXXX report a high balance of {$300.00}, while Equifax reports {$500.00}. 
Last Verified Date : XXXX lists the last verified date as XX/XX/XXXX, while XXXX and Equifax omit this information. 
Date of Last Activity : XXXX reports the date of last activity as XX/XX/XXXX, XXXX reports it as XX/XX/XXXX, and Equifax reports it as XX/XX/XXXX. 
Closed Date : Only XXXX reports a closed date ( XX/XX/XXXX ), while XXXX and Equifax do not include this information. 
Credit Limit : XXXX and XXXX report a credit limit of {$500.00}, while Equifax lists the credit limit as {$300.00}. 
Account Status : All three bureaus list the account as Closed, but with inconsistent associated details, such as payment status and account description.

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), all information on consumer reports must be accurate and complete. The reported inaccuracies and discrepancies listed above negatively affect my credit report and must be corrected to reflect the truth.

Additionally : 15 USC 1681s-2 : Obligates data furnishers to report accurate information.

15 USC 1681i ( 7 ) : Requires credit reporting agencies to provide a detailed description of their investigation process.

15 USC 1666 ( b ) : Mandates that periodic statements must be provided to consumers at least 21 days before the due date. 
Actions Requested : Remove the inaccurate late payment for XX/XX/XXXX from my account history. 
Correct all discrepancies in the reporting of my account, including high balance, last verified date, date of last activity, closed date, credit limit, and account status. 
Update the account to reflect the accurate status of " Paid As Agreed, Never Late. '' Provide a detailed description of the investigation process, including the evidence used to verify the account information, as required by 15 USC 1681i ( 7 ).

If unable to verify the accuracy of the reported late payment and discrepancies, promptly delete this information from my credit report. 
Reference to PAANL ( Paid As Agreed, Never Late ) : The terms of my agreement with XXXX XXXX  have always been adhered to. The account history should reflect " Paid As Agreed, Never Late, '' accurately representing my financial responsibility. 
Failure to address these inaccuracies and provide a response within the legally mandated 30 days will be considered a violation of the FCRA. 
I trust you will address these matters promptly and ensure that my credit report reflects complete accuracy. Please confirm receipt of this letter and provide a written response detailing the outcome of your investigation. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX