Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXXDept of Education Account ; Notice Of Dispute ; Proof of Late Payment History ; ACCURATE DISPUTE Dear Equifax Dispute Department , I am writing to formally dispute the inaccurate and inconsistent reporting of late payments for my XXXX/Department of Education account on my Equifax credit report. As per my records and cross-reference with other credit reporting agencies, there are significant inaccuracies in how this account has been reported, specifically regarding late payment status in XX/XX/XXXX. Here are the account numbers reported on my report : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I am requesting the information you used to verify these late payments are accurate. 
EQUIFAX is currently showing late payments for XX/XX/XXXX, categorized as 90 days late but no prior 30- or 60 day prior late, which is both erroneous and inconsistent. Equifax also reports this account as NR status but these accounts still show negative payment history. PLEASE DELETE FOR INACCURACIES AND INCONSISTANCY. To provide clarity : 1. XXXX lists this account as 90 days late, but without prior 30- or 60-day late designations. 
2. XXXX lists this account as 90 days late, but without prior 30- or 60-day late designations. 
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure accurate and fair reporting of consumer information. It is my understanding that reporting a 90-day late status without any prior 30- or 60-day late notices violates Section 1681c of the FCRA, which requires that credit reporting be both accurate and updated with reasonable procedure. Reporting a 90-day delinquency without an accurate history implies misleading information, which may significantly and unfairly impact my creditworthiness.

Additionally, the Fair Credit Billing Act ( FCBA ) offers protections to consumers from inaccurate reporting, especially when information fails to align consistently across credit bureaus. Since neither XXXX nor XXXX reports the same delinquency history, Equifaxs report is evidently erroneous. 
Therefore, I am formally requesting that Equifax : 1. Remove the inaccurate 90-day late payment entry for XX/XX/XXXX. 
2. Reevaluate this account for full compliance with FCRA standards for accurate reporting.

3. Remove this account for inconsistency and inaccuracy. 
Please conduct a thorough reinvestigation, and provide me with written confirmation once this account has been corrected or removed. Enclosed are copies of how the inaccuracies shows on my credit reports for your reference. Please also provide me with the documentation you used to verify that these or in fact accurate late payments. Lastly and updated report with the necessary changes made. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation that my report has been corrected or amended within the 30-day period required by law. 
Sincerely, XXXX XXXX XXXX ; XXXX XXXX