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Reporting company used your report improperly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX # XXXX Date : XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Credit Information XXXX Account To Whom It May Concern, I am writing to formally dispute inaccurate information being reported on my Experian credit report regarding the account listed below : - Creditor Name : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Type : Secured Installment Loan - Reported Late Payment Date : XX/XX/XXXX - Discrepancy : Experian is reporting a 60-day late payment for this account. However, both XXXX and XXXX report this account as current and never late. Additionally, my records show that this account was paid on time and closed in g