Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian for my account with XXXX  XXXX. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : Inaccurate Reporting : Late payments have been inaccurately reported on my credit report for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These dates do not reflect actual late payments, as I have consistently made my payments on time and have been enrolled in autopay for all my accounts.

Discrepancies Across Credit Bureaus : The data reported by XXXX, Experian, and XXXX show inconsistencies. XXXX and Experian explicitly list late payments for the months mentioned above. XXXX, however, also reports late payments, but the specific dates are not visible in the screenshot provided, creating further uncertainty about the accuracy of their reporting.

Violation of the Fair Credit Reporting Act ( FCRA ) : The reporting of these inaccurate late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ) as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The false reporting of these late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Account Details : Creditor Name : XXXX XXXX Account Number : XXXX High Balance : {$11000.00} Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Date Reported : XXXX XXXX XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Account Status : Closed Payment Status : Current Term Length : 72 months Account Type : Auto Loan Two-Year Payment History : Incorrect Late Payments Reported : XX/XX/XXXX : 30 days late ( XXXX, Experian XXXX XX/XX/XXXX : 30 days late ( XXXX, Experian ) XX/XX/XXXX : 30 days late ( XXXX, Experian ) XX/XX/XXXX : 30 days late ( XXXX, Experian ) XX/XX/XXXX : 30 days late ( XXXX, Experian ) Discrepancies Across Bureaus : XXXX and Experian explicitly list the late payments for these months. 
XXXX indicates late payments in the account but does not provide the specific dates in the visible report. This inconsistency raises concerns about the accuracy of XXXX reporting. 
Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer under the FCRA and FDCPA.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX