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Information belongs to someone else. I am disputing two inaccurate late payments being reported on my credit file by XXXX ( Account ending in XXXX ) for the months of XXXX and XXXX. These late marks appear on my credit bureau report, yet I paid on time and have documentation to prove it. I contacted the creditor, and a representative confirmed that the account should not show as late, acknowledging that I paid early and on time. However, this issue remains unresolved. In accordance with Section 609 and Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter thoroughly. Under Section 609 ( a ) ( 1 ) ( A ), I am entitled to receive a full disclosure of the information being reported and its sources. Furthermore, as per Section 611 ( a ), if