Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Final Warning - Formal Dispute of Inaccurate Late Payment Reporting for XXXX Account Dear CFPB, This is a formal dispute regarding the inaccurate reporting of late payments on my credit report for the account XXXX. Despite prior submissions, your agency continues to report erroneous information, specifically late payments for XX/XX/XXXX and XX/XX/XXXX, which is entirely inconsistent with my records. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and has caused undue harm to my creditworthiness. Account Details Account Number : XXXX Account Type : Installment Loan - Unsecured Loan Date Opened : XX/XX/XXXX Balance : {$0.00} High Credit : {$770.00} Credit Limit : {$0.00} Payment Status : Current Account Status : Closed Date of Last Payment : XX/XX/XXXX Date Last Active : XX/XX/XXXX Last Reported : XX/XX/XXXX Discrepancies and Errors Your agency has reported the following inaccuracies : TransUnion : Late payments of 30 days for XX/XX/XXXX and XX/XX/XXXX. These late payments are entirely false. My payment records and supporting documents demonstrate that all payments for this account were made on time, as agreed upon in the loan terms. Violations of Federal Law The continued reporting of these inaccuracies violates several provisions of federal law : 1. FCRA Violations : 15 USC 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of consumer information. 15 USC 1681i ( a ) : Mandates that disputed information be reinvestigated promptly and corrected within the required timeframe. 15 USC 1681i ( a ) ( 7 ) : Obligates credit bureaus to provide a detailed description of the investigation process upon request. 2. Consumer Harm : The inaccurate reporting of late payments has unfairly damaged my creditworthiness, causing unnecessary financial and emotional distress. Requested Resolution I demand immediate action to correct these inaccuracies, including : 1. Immediate Removal of Late Payments : Correct the payment history for XX/XX/XXXX and XX/XX/XXXX to reflect on-time payments. XXXX. Account Status Update : Ensure the account status reflects " Paid as Agreed, Never Late ''. 3. Investigation Details : Provide a detailed written explanation of the procedures used to verify the reported late payments. 4. Written Confirmation : Confirm in writing that these corrections have been applied to my credit report. Supporting Evidence Attached to this letter are : A copy of my credit report highlighting the disputed inaccuracies. Payment records demonstrating that all payments for XX/XX/XXXX and XX/XX/XXXX were made on time. Legal Obligations and Consequences Under the FCRA, your agency is required to complete this reinvestigation and provide me with a written response within 30 days. If this matter is not resolved promptly and accurately, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). Pursue legal remedies for damages caused by these ongoing violations. Report this issue to other relevant regulatory bodies to ensure compliance with federal laws. This is your final opportunity to address and resolve this matter. I demand your immediate attention and expect confirmation of the corrections made to my credit report within the legally required timeframe. Sincerely, XXXX XXXX XXXX