Incorrect information on your report: Credit reporting or other personal consumer reports

After reviewing my consumer report, I identified a late payment that is inaccurately reported, as I have never been late and the creditor has failed to provide any proof or verification ; this account was reported without my written authorization, is not associated with any transaction I authorized, and therefore falls outside the permissible purposes under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), requiring correction to paid as agreed or deletion under 15 U.S.C. 1681e ( b ) and 1681i, which mandate maximum possible accuracy and the prompt correction or removal of any inaccurate, incomplete, or unverifiable information.