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Reporting company used your report improperly. Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2. I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported latepayment : [ XX/XX/year> ] Account number : XXXX