Here’s a dispute letter to remove late payments with Experian

[Your Name] [Your Address] [City, State ZIP Code]

[Date]

Experian P.O. Box 4500 Allen, TX 75013

Re: Dispute of Late Payment Records

To Whom It May Concern:

I am writing to dispute the following late payment records on my credit report:

1. [Creditor Name], Account #XXXX, reported late payments for [month/year]
2. [Creditor Name], Account #XXXX, reported late payments for [month/year]

I believe these late payment records are inaccurate for the following reasons:

[Choose and elaborate on relevant reasons, such as]:

• The payments were made on time, but not correctly applied
• I was never late on these accounts
• I have evidence of timely payments (attached)
• The late payments resulted from a bank error

Under the Fair Credit Reporting Act, you are required to investigate these disputes and remove any information that cannot be verified as accurate. Please investigate these items and remove them from my credit report.

If you find that these late payments are accurate, please provide me with copies of any documentation used to verify their accuracy.

Please send me an updated copy of my credit report showing the results of your investigation.

Thank you for your prompt attention to this matter.

Sincerely, [Your Signature] [Your Printed Name]