Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments on XXXX XXXXXXXX Account # XXXX Dear CFPB, I am submitting this formal dispute regarding inaccurate late payments reported on my credit file for my XXXX XXXXXXXX account. The late payment entries reported by your agencies are erroneous and do not accurately reflect my payment history. Nature of the Complaint : 1. Inaccurate Reporting : Both Experian and XXXX have inaccurately reported a 30-day late payment on this account, despite my history of on-time payments. My records confirm that my last payment was made on XX/XX/XXXX, and I have been consistently enrolled in autopay for this account. 2. Discrepancies in Account Details : High Balance : Experian reports {$3300.00}, while XXXX reports {$3600.00}. 
Last Payment : Experian reports XX/XX/XXXX, and XXXX reports XX/XX/XXXX, both of which are inconsistent with my records showing the last payment date as XX/XX/XXXX. 
30-Day Late Payments : Both bureaus incorrectly report one 30-day late payment, which is inaccurate based on my payment history. 3. Violation of the Fair Credit Reporting Act ( FCRA ) : The reporting of inaccurate information violates my rights under the FCRA ( 15 USC 1681i and 15 USC 1681s-2 ), which mandate that credit reporting agencies and information furnishers ensure the accuracy and completeness of all reported data. 4. Potential Violations of Other Laws : Truth in Lending Act ( TILA ) : The misrepresentation of my payment history fails to comply with TILAs accuracy requirements. Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments may also constitute misrepresentation under the FDCPA.

Evidence of Errors and Discrepancies : The following discrepancies were identified based on your reports and my account records : Account Details : Account Number : XXXX High Balance : {$3300.00} ( Experian ) and {$3600.00} ( XXXX XXXX. 
Last Verified : Experian ( not specified ) ; XXXX reports XX/XX/XXXX. 
Last Payment : Experian reports XX/XX/XXXX ; XXXX reports XX/XX/XXXX, both of which are inaccurate. The correct last payment date is XX/XX/XXXX. 30-Day Late Payments : Both Experian and XXXX incorrectly list a single 30-day late payment, which is inaccurate. Requested Resolution : I respectfully request that Experian and XXXX : 1. Conduct a thorough investigation into this matter. 2. Remove the inaccurate 30-day late payment entries for the XXXX XXXX account from my credit report. 3. Correct all other discrepancies, including the last payment date and high balance amounts, to accurately reflect my payment history. Legal Provisions Supporting This Request : The Fair Credit Reporting Act ( FCRA ) explicitly states : 15 U.S.C. 1681i : Credit reporting agencies must reinvestigate and correct disputed information. 15 U.S.C. 1681s-2 : Information furnishers must ensure accuracy and correct errors promptly. Additionally : 15 U.S.C. 1681n and 15 U.S.C. 1681o outline civil liabilities for willful and negligent non-compliance, including actual and punitive damages. Supporting Documents : Enclosed are the following documents to support my dispute : A copy of my credit report from Experian and XXXX highlighting the errors. Payment records verifying the last payment date as XX/XX/XXXX. 
I kindly request written confirmation of the corrections made to my credit reports within 30 days of this submission. If this matter is not resolved promptly, I may pursue further action to protect my rights under federal law.

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