Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute Regarding Inaccurate Late Payment Dear CFPB, I am writing to formally dispute inaccurate late payment entries on my credit file maintained by Experian. I believe these reported late payments are erroneous and do not accurately reflect my actual payment history.

Nature of the Complaint : Inaccurate Reporting : I have consistently made payments on time for my XXXX XXXX  account, and I am enrolled in autopay across all my accounts, ensuring timely payments. However, my credit report inaccurately lists late payments, which misrepresent my creditworthiness.

Violation of the Fair Credit Reporting Act ( FCRA ) : Under FCRA ( 15 USC 1666 ( b ) ), credit reporting agencies are required to maintain accurate information. The false reporting of these late payments constitutes a violation of my rights under FCRA, as they do not accurately represent my credit history.

Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Misrepresenting my account status with false late payments may also breach the FDCPA, which prohibits misleading information regarding consumer accounts.

Truth in Lending Act ( TILA ) : TILA mandates accurate reporting practices to protect consumers. Inaccurate reporting practices in this instance may constitute a violation of TILA.

In addition, the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, mandates that credit bureaus and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the highest level of accuracy. Furthermore, sections 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline civil liability for both willful and negligent noncompliance, which allows for damages, attorneys fees, and potential punitive damages for failure to comply.

Summary of Errors and Discrepancies The following are specific discrepancies for my XXXX XXXX  account reported by XXXX, Experian, and XXXX : Late Payment Reporting : XXXX and Experian report a 30-day late payment in XXXX, while XXXX reports a 30-day late payment in XXXX. This inconsistency indicates a clear error, as I have made all payments on time. 
Date of Last Activity : XXXX lists the date of last activity as XX/XX/year>, Experian as XX/XX/year>, and XXXX as XX/XX/year>. These discrepancies create confusion regarding the true status of my account. 
Balance Owed : Each bureau reports a balance of {$0.00}, which is accurate, but the payment history entries conflict with this balance status.

Account Description and Remarks : XXXX includes an additional remark stating Charge amount in H/C column is credit limit, which is not reported by XXXX or Experian, creating inconsistencies in my file. 
Last Payment Date : XXXX and Experian record the last payment as XX/XX/year>, while XXXX lists it as XX/XX/year>. 
These discrepancies misrepresent my payment history and account details, thereby negatively impacting my creditworthiness. Each bureau should ensure consistent and accurate information. 
Requested Resolution : I request that Experian conducts a thorough investigation of my XXXX XXXX  account and removes any inaccurate late payments from my report. I request that the entries reflect my true payment history of 100 % on-time payments.

Please provide written confirmation of these changes within 30 days of receipt of this complaint. Should this issue remain unresolved, I may pursue further actions to ensure my rights are protected.

Thank you for your attention and prompt resolution to this matter. 
Sincerely, XXXX XXXX XXXX