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When dealing with late payments, it's important to note that while many believe they should be reported, the law states that late payments are legal. To address this, you should draft a letter addressed to the relevant company, such as "to whom it may concern," and send it to both the reporting company and the credit bureau involved, like Experian. In the letter, mention that you recently reviewed your credit report from Experian, TransUnion, and Equifax and observed late payments that you believe are inaccurately posted. Clearly list the accounts in question and reference the law, specifically 15 USC 1681b, regarding permissible purpose in consumer reports, to reinforce your stance that the company is in violation.
