Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting on XXXX XXXX  XXXX Account Dear CFPB, I am submitting this formal complaint regarding inaccurate late payments reported on my credit file maintained by XXXX, XXXX, and Equifax for the XXXX XXXX  XXXX account. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments reported by XXXX, XXXX, and Equifax are inaccurate. I have consistently made payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The reporting of these late payments misrepresents my creditworthiness and violates my rights under XXXX XXXX XXXX ( a ), which mandates accurate reporting by furnishers of credit information. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The false reporting of late payments may also violate the FDCPA, which prohibits misrepresentation of account status. 
Truth in Lending Act ( XXXX ) : The inaccuracies in my credit file appear to be in violation of XXXX, which mandates accurate credit information reporting. 
Furthermore, the FCRA ( XXXX XXXX XXXX and XXXX ) requires credit reporting agencies and furnishers of information to correct inaccuracies promptly. Under FCRA sections XXXX and XXXX ( XXXX XXXX XXXX and XXXX ), noncompliance subjects parties to civil liability for damages, including attorneys fees and punitive damages. 
Evidence of the Error The attached credit reports from XXXX, XXXX, and Equifax demonstrate conflicting and inaccurate reporting for the XXXX XXXX  XXXX account : XXXX : Reports late payments for XXXX ( XXXX  days ) and XX/XX/XXXX ( XXXX  days ). The account is inaccurately marked as " Late XXXX  Days. '' XXXX : XXXX late payments for XXXX ( XXXX  days ), XXXX ( XXXX  days ), and XX/XX/XXXX ( XXXX  days ). The account status is marked as " Closed, '' and the payment history is inconsistent with my records. 
Equifax : XXXX late payments for XXXX ( XXXX  days ) and XXXX ( XXXX  days ) XXXX. The account rating is marked as " XXXX, '' but the payment status still reflects " Late XXXX  Days, '' which is contradictory. 
Errors in Account XXXX : XXXX XXXX : Incorrect across all bureaus. 
Date of Last Activity : Incorrect across all bureaus. 
Closed Date ( XXXX only ) : XXXX. 
Account Rating : Reported as " XXXX  '' in XXXX and " XXXX  '' in XXXX and Equifax. 
Account XXXX : Reported as " XXXX  '' incorrectly. 
XXXX XXXX : Reported as " Late XXXX  Days. '' Creditor Remarks : Incorrect or missing. 
These discrepancies across all three credit bureaus misrepresent my account status and payment reliability. As I am enrolled in autopay for this account and have consistently made timely payments, these errors are unfounded and detrimental to my creditworthiness. 
XXXX  XXXX I request that the CFPB investigate this matter and instruct XXXX, XXXX, and Equifax to remove the inaccurate late payments from my credit report. I ask that my credit report be updated to reflect my accurate payment history of 100 % on-time payments. 
Please confirm the resolution of this matter in writing within XXXX  days. If the issue is not addressed, I may pursue further action to protect my rights as a consumer. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX