Late Payment Reported Incorrectly: Evidence Checklist
Late payment reported incorrectly: an evidence checklist CheckDispute · Sources checked September 20, 2026 A late-payment entry is an account-status error in the CFPB's own list, and the evidence that checks it is a specific pair: the due date on your statement and the posting date on your payment record. Getting both is what turns "I paid on time" into something a reinvestigation can act on. One complication worth knowing first: a payment problem on a card statement and a late mark on a credit report are two different processes with different rules. What should I do if I have an incorrect late payment on my credit report? Dispute it in writing, with both sides. The CFPB's guidance is to contact both the credit reporting company and the company that provided the information , and to include your contact information, the account number, a clear explanation of why the entry is disputed, a request that it be corrected or removed, the report page with the item circle...