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To address late payments on your credit report, understand that while late payments may be reported, they are not always required to be. You can take action by writing a letter to the company reporting the information to credit bureaus, such as Experian. Start your letter with "To Whom It May Concern" and clarify which company (e.g., XYZ Company) is providing this information. Mention that you recently reviewed your credit report from Experian, TransUnion, and Equifax and noticed the late payments. List the accounts in question and reference the law under 15 USC 1681b, which regulates permissible purposes for consumer reports, to support your case against the inaccuracies.