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Your Full Name] [Your Address] [City, State ZIP Code] [full SSN number] [DOB] Date: [Insert Date] To:[Credit Bureau Name][Address of Credit Bureau][City, State ZIP Code] Subject: Dispute of Inaccurate Late Payment Under FCRA – Request for Immediate Deletion Dear [Experian / Equifax / TransUnion], I am writing to formally dispute the accuracy of a late payment entry that appears on my credit report. According to my recent credit file provided by your agency, the following account is reporting a late payment that I believe is inaccurate, unverifiable, or misrepresented: - Creditor Name: [Insert Creditor Name] - Account Number: [Insert Account Number] - Date of Alleged Late Payment: [Insert Date] Under 15 U.S. Code § 1681i(a)(1)(A), I am exercising my right to dispute incomplete or inaccurate information. You are required by law to investigate this matter within 30 days of receipt and remove or correct any information that cannot be verified as accurate. Furthermore, under 15 U.S. Code § 1681e(b), credit reporting agencies must “follow reasonable procedures to assure maximum possible accuracy.” Reporting a late payment without fully verified documentation from the furnisher violates this statute. I am requesting: 1. A full reinvestigation of the late payment in question. 2. A copy of the method of verification used under 15 U.S. Code § 1681i(a)(6)(B)(iii). 3. Immediate deletion of the late payment if the creditor cannot verify the accuracy with proper documentation. Please be advised that if the entry is not accurately verified and corrected or deleted within 30 days, I reserve the right to file a complaint with the Consumer Financial Protection Bureau (CFPB) and consider legal action for noncompliance with federal law. I have enclosed a copy of my identification and a copy of my credit report with the disputed item circled. Thank you for your prompt attention to this matter. I expect a response within the legally required time frame.