Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments on XXXX Account # XXXX Dear CFPB, I am submitting this formal dispute regarding inaccurate late payments reported on my credit file for my SEARS/CBNA account. The late payment entries reported by your agencies contain multiple errors and do not accurately reflect my payment history. Nature of the Complaint : 1. Inaccurate Reporting : Both Experian and XXXX have inaccurately reported multiple late payments on this account. My records confirm that I consistently made payments on time. XXXX. Discrepancies in Account Details : Experian reports late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which are incorrect. XXXX reports late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which are also inaccurate. XXXX incorrectly lists late payments for XX/XX/XXXX and XX/XX/XXXX despite my timely payment record. 3. Violation of the Fair Credit Reporting Act ( FCRA ) : The reporting of inaccurate information violates my rights under the FCRA ( 15 USC 1681i and 1681s-2 ), which mandate the accuracy and completeness of all reported data. 4. Other Legal Violations : Truth in Lending Act ( TILA ) : The inaccurate reporting of my payment history fails to comply with TILAs standards of accuracy. Fair Debt Collection Practices Act ( FDCPA ) : The continued reporting of false 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 account records : Account Details : Account Number : XXXX High Balance : {$3900.00} ( Experian and XXXX XXXX ; {$3400.00} ( XXXX XXXX. 
Last Verified : Not specified by Experian ; XXXX reports XX/XX/XXXX. 
Last Payment : XXXX and Experian report XX/XX/XXXX, while XXXX reports XX/XX/XXXX, which are consistent but contradict the late payment claims. XXXX, XXXX, and XXXX Late Payments : XXXX : Reports XXXX late payments for XX/XX/XXXX and XX/XX/XXXX. Experian : Reports XXXX late payment for XX/XX/XXXX and late payments for XX/XX/XXXX, XX/XX/XXXX ( 60 days ), and XX/XX/XXXX ( 90 days ). XXXX : Reports XXXX late payments for XX/XX/XXXX and XX/XX/XXXX, as well as XXXX and XXXX late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Requested Resolution : I respectfully request that Experian and XXXX : 1. Conduct a thorough investigation into this matter. 2. Remove all inaccurate late payment entries for the XXXX account from my credit report. 3. Correct all discrepancies in high balances and ensure my payment history accurately reflects my consistent on-time payments. 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