Credit reporting or other personal consumer reports — EQUIFAX, INC. (NC)

Account information incorrect. I am writing to formally dispute late payments that appear on my credit report related to my account with XXXX and XXXX XXXX account numbers XXXX and XXXX. These late payments have significantly impacted my credit score, and I respectfully request that they be removed as a goodwill adjustment or due to the extenuating circumstances surrounding the delinquencies. Since that time, I have made every effort to bring the account current and maintain a consistent payment history. I value my relationship with [ Creditors Name ] and have taken proactive steps to manage my financial responsibilities more effectively. Under the Fair Credit Reporting Act ( FCRA ), I understand that only accurate and complete information should be reported. While I do not disp