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Account status incorrect. I am writing to formally dispute a late payment that has been reported on my credit file under the account number XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX I have reviewed my credit report and found an inaccurate late payment I believe that this late payment is inaccurate due to I made the payment on time, but it was not processed correctly ; I was not notified of a missed payment This late payment entry violates the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ) ( 1 ) ( A ), which requires that all information reported to credit bureaus must be accurate and complete. Additionally, under Section 623 ( a