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Account information incorrect. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB Representative, I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXXi ). This inaccurate reporting has negatively affected my credit profile, and I am requesting an immediate investigation into this matter. Details of the Disputed Late Payment : Creditor Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Alleged Late Payment : XX/XX/year> ( XXXX ), XX/XX/year> and XX/XX/year> ( XXXX )