] I demand that you investigate this matter and if you are unable to verify the accuracy of the reported information, it must be removed.

Question: Dear Credit Reporting Agency: I am writing to dispute the late payments on my credit report and consumer report. The late payments are inaccurate and do not reflect my payment history accurately, which is in violation of the Fair Credit Reporting Act (15 USC 1681). I am now demanding that you remove all late payments that are reported on my credit and consumer report. I understand that you have 30 days to investigate this matter and if you are unable to verify the accuracy of the reported information, it must be removed. Please be advised that if the late payments are not removed in a timely manner, I will take further legal actions based on the FCRA. I do not take the violation of the law lightly and I am prepared to make sure my rights are protected. I have provided all the necessary documentation to prove that the reported late payments are inaccurate and that I have been paying my bills on time. I am requesting that you conduct a full review of my credit and consumer report as soon as possible and remove the inaccurate information. I look forward to hearing from you soon. Sincerely, [Your Name please make this about the credit agency not be allowed to put late payments on my report instead of if my payments were on time