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, Experian, and XXXX 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, Experian, and XXXX 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 15 USC 1681s-2 ( 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 ( TILA ) : The inaccuracies in my credit file appear to be in violation of TILA, which mandates accurate credit information reporting.

Furthermore, the FCRA ( 15 USC 1681i and 1681s-2 ) requires credit reporting agencies and furnishers of information to correct inaccuracies promptly. Under FCRA sections 616 and 617 ( 15 USC 1681n and 1681o ), noncompliance subjects parties to civil liability for damages, including attorneys fees and punitive damages. 
Evidence of the Error The attached credit reports from XXXX, Experian, and XXXX demonstrate conflicting and inaccurate reporting for the XXXXXXXX XXXX XXXXXXXX account : XXXX : Reports late payments for XXXX ( 30 days ) and XX/XX/XXXX ( 60 days ). The account is inaccurately marked as " Late 90 Days. '' Experian : Reports late payments for XXXX ( 30 days ), XXXX ( 60 days ), and XX/XX/XXXX ( 90 days ). The account status is marked as " Closed, '' and the payment history is inconsistent with my records. 
XXXX : Reports late payments for XXXX ( 30 days ) and XXXX ( 60 days ) XXXX. The account rating is marked as " Paid, '' but the payment status still reflects " Late 90 Days, '' which is contradictory. 
Errors in Account Information : Last Verified : Incorrect across all bureaus. 
Date of Last Activity : Incorrect across all bureaus. 
Closed Date ( XXXX only ) : Missing. 
Account Rating : Reported as " Closed '' in XXXX and " Paid '' in Experian and XXXX. 
Account Status : Reported as " Closed '' incorrectly. 
Payment Status : Reported as " Late 90 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. 
Requested Resolution I request that the CFPB investigate this matter and instruct XXXX, Experian, and XXXX 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 30 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