Product: Credit reporting or other personal consumer reports

XX/XX/year>2024 Subject : Request for Reinvestigation and Detailed Investigation Process Dear CFPB, I am writing to formally dispute inaccuracies in the reporting of my account with XXXX  XXXX, account number XXXX, as listed on my credit reports. Despite submitting a previous dispute on XX/XX/year>2024, I have noticed that the issues remain unresolved. Additionally, the credit reports fail to reflect specific dates for the alleged late payments, which hinders verification and investigation. 
Dispute Summary My account has been inaccurately reported with late payments that contradict my actual payment history. To the best of my knowledge and based on the documentation I have provided, all payments for this account were made on time. The inaccuracies in reporting are not only misleading but also violate the Fair Credit Reporting Act ( FCRA ), which mandates the maximum possible accuracy of credit report information ( 15 USC 1681e ( b ) ). The omission of dates for the alleged late payments further conflicts with the requirement for clear and verifiable information. 
Additionally, I have identified the following discrepancies in the reporting of my account across the credit bureaus : High Balance : The reported " High Balance '' does not match my records, suggesting inaccuracies in how this figure was calculated.

Last Verified : The " Last Verified '' date is inconsistent between the bureaus, raising questions about the thoroughness of the verification process.

Account Status : The reported account status varies, which directly impacts the interpretation of my creditworthiness.

Payment History : Inconsistent payment history reporting, with discrepancies in the months alleged as late, further underscores the need for correction.

Evidence Provided I have included supporting documents, including my complete payment history, which demonstrates my adherence to timely payments. Additionally, inconsistencies in reporting between XXXX, Experian, and XXXX highlight the need for correction. 
Requested Actions Provide a detailed explanation of the investigation process undertaken for my previous dispute, as required under 15 USC 1681i ( a ) ( 7 ).

Supply documented evidence supporting the claims of late payments, including transaction dates, amounts, and relevant communications.

Clarify and correct the discrepancies in " High Balance, '' " Last Verified '' date, and account status to reflect accurate and consistent information.

Confirm that reasonable procedures were implemented to ensure timely delivery of billing statements in compliance with 15 USC 1666 ( b ).

Update my account status to Paid As Agreed Never Late across all credit bureaus if you can not provide verifiable proof of late payments.

Legal References This request is made pursuant to the following legal provisions : Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ) and 15 USC 1681e ( b ).

Truth in Lending Act, 15 USC 1666 ( b ).

Consumer Protection Act.

Failure to address these issues within 30 days of receipt of this letter will constitute a further violation of the FCRA. I trust that your agency will take immediate action to rectify these discrepancies and maintain the accuracy and integrity of my credit report.

Thank you for your attention to this matter. Please contact me directly if additional information is required. I look forward to your response and resolution. 
Sincerely, XXXX XXXX XXXX