Product: Credit reporting or other personal consumer reports

This is my first written request to formally dispute the late payment entries on my credit report from XXXX XXXX XXXX XXXX, account number # XXXX, for the months of XX/XX/XXXX and XX/XX/XXXX ; and XXXX XXXX XXXX, account number # XXXX for the month of XX/XX/XXXX. These entries are inaccurate and unjust, and they are adversely affecting my credit score. I respectfully request their immediate removal based on the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws. 

According to the FCRA, XXXX XXXX XXXX section XXXX ( a ), there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Equifax is the consumer reporting agency and I am the consumer. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX. This agency have failed to do so. The inclusion of this inaccurate late payment on my report fails to meet these standards. Per XXXX XXXX XXXX, it is the policy of XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. As the furnisher of this information, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are required to ensure the accuracy and confidentiality of the data reported. Under XXXX XXXX XXXX section XXXX ( a ) ( XXXX ), a consumer reporting agency XXXX furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. The financial institution and the consumer reporting agency, Equifax, does not have my consent to furnish this information and they surely do not have my written consent. I have not authorized the dissemination of inaccurate information, and thus, this entry should be removed. According to XXXX XXXX XXXX ( b ) and ( c ), a financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise the nondisclosure option. I was never informed of my right to exercise this option, violating my privacy rights. As per XXXX XXXX XXXX ( a ) ( XXXX ), no consumer reporting agency XXXX make any consumer report containing any adverse item of information that antedates the report by more than XXXX years, except as authorized under subsection ( b ). The inclusion of this adverse item without my permission is against the law. Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The late payment information provided by XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX are inaccurate and should be removed immediately. XXXX XXXX XXXX requires every consumer reporting agency to maintain reasonable procedures designed to avoid violations of section XXXX and to limit the furnishing of consumer reports to the purposes listed under section XXXX. Equifax has not maintained reasonable procedures, resulting in the inclusion of inaccurate information on my report. According to XXXX XXXX XXXX, a consumer XXXX exercise the right to opt out at any time. I was not given the opportunity to exercise my right to opt out of having my nonpublic personal information shared, which is a violation of my rights.