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Information is missing that should be on the report. FCRA 1681s-2 ( a ) ( 1 ) ( A ) Credit Bureaus did not report accurate information. FCRA 1681i ( a ) ( 1 ) ( A ) The Credit Bureau did not verify my late payment. The late payment must be removed by law. Lastly FCRA 623 ( b ) ( 1 ) The creditor didn't investigate my dispute. Also by law the late payments must be removed on all bureaus because of this negligence. I have sent multiple letters to all Credit Bureaus stating such and my late payments have not been negated as of today. My score is a mid XXXX and should be closer to XXXX 's, if not higher but due to the negligence of the credit bureau my score is stagnant. I thank you for taking the time to look into and rectify this matter. Late Payments Accounts Discover Credit c