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When addressing late payments, it's important to understand that while many believe they should be reported, the law considers late payments legal. To address this, you should draft a letter to the relevant companies, such as the one providing your consumer report, like XYZ Company if they report to Experian. In the letter, mention that you've reviewed your credit reports from Experian, TransUnion, and Equifax, and have noticed late payments listed. Specify the accounts in question and assert that the reporting company is violating the law under 15 USC 1681b, which governs the permissible purpose of consumer reports.
