credit report late payment dispute 5
https://creditreportlatepaymentpost.northstarcolumn.com/posts/how-to-handle-a-credit-report-late-payment-dispute
When I found a late payment on my credit report that I knew was a mistake, I had to file a dispute with the credit bureau. I gathered proof of payment and wrote a clear explanation of why the entry was wrong. The process took a few weeks, but eventually the error was removed and my score improved.