Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : URGENT XXXX XXXX Compliance Dispute Inaccurate Late Payments on Open Mortgage Loan Dear XXXX, I am formally disputing the inaccurate late payments being reported on my open mortgage loan account, as this reporting violates XXXX XXXX Compliance Guidelines, the Fair Credit Reporting Act ( FCRA ), and established case law precedents. The late payments are inaccurately reported and must be removed immediately. 

Account Information Being Disputed : - Creditor Name : XXXX - Account Number : Private - Account Type ( Field XXXX ) : Mortgage Loan - Current Status ( Field XXXX ) : Open - Payment History Reporting Late Payments : Year ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late - Date Opened ( Field XXXX ) : XXXX - Balance ( Field XXXX ) : {$320.00}, XXXX XXXX XXXX Compliance Violations Requiring Immediate Late Payment Removal : 1. **Late Payment Reporting on Open Mortgage Violates Compliance ( Field XXXX Account Status ) ** - Issue : My account is open and in good standing, yet it is reporting late payments that are inconsistent with XXXX XXXX standards. 
- XXXX XXXX Compliance : Open mortgage loans must not report late payments inconsistently. If an account is currently being serviced and active, it must reflect a " Current '' ( Code 11 ) status, unless fully validated. 
- Correction Required : Remove all late payment entries as they are inaccurately reported. 

2. **Payment History Data Inaccuracy ( Field XXXX Payment History Profile Violation ) ** - Issue : The late payments being reported do not match my internal records, payment confirmations, and my lenders reporting data. 
- XXXX XXXX Compliance : XXXX XXXX XXXX guidelines, all late payment history must be fully documented with verifiable evidence from the original creditor. 
- Correction Required : If the lender can not verify the late payments with timestamped records and evidence, they must be deleted immediately.

3. **FCRA Violation Failure to Maintain Accurate, Fair, and Verifiable Data ( 15 U.S.C. 1681e ( b ) ) ** - Issue : The late payments are either inaccurate, unverifiable, or outdated, making this an FCRA violation.

- Legal Precedent : In XXXX XXXX XXXX XXXX XXXX, XXXX, courts ruled that unverifiable negative information must be removed from consumer reports. 
- Correction Required : Under the FCRA, if the late payments can not be independently verified, they must be permanently removed. 

4. **Illegal Re-aging and Data Manipulation ( Field XXXX Date of Last Activity Violation ) ** - Issue : The Date of Last Activity ( DLA XXXX appears manipulated, making it seem as though recent payments were late when they were not. 
- XXXX XXXX Compliance : This violates XXXX XXXX standards that require accurate XXXX reporting. 
- Correction Required : If the account was previously reported as current, the system must not re-age or change the history to reflect inaccurate latesall erroneous lates must be deleted. 

Action Required Late Payment Deletion : The XXXX XXXX errors and legal violations stated above require immediate correction. 

I demand that the inaccurate late payments be deleted within 30 days, as required by law. If you can not fully verify these payments with timestamped evidence, I request the complete removal of all disputed late payments immediately. 

Failure to comply will result in : - Formal complaints to the CFPB, XXXX FTC, and my State Attorney Generals office. 
- Possible legal action for willful noncompliance under 15 U.S.C. 1681n.

Please send an updated credit report reflecting the deletion of the disputed late payments within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Field Issue Required Correction Field XXXX Account Status Open account reporting late payments Must be 'Current ' ( Code 11 ) unless verifiable Field XXXX Payment History Profile Data does not match lenders records All unverified lates must be deleted Field XXXX Date of Last Activity Possible illegal re-aging Must reflect actual payment activity