1. CLASSIFICATION — This is a factual inaccuracy (a). The account is genuinely theirs and mostly accurately reported, but one specific data point — the late-payment mark for March — appears to be wrong, and they have direct evidence (a bank statement and a card statement) showing the payment was made before the due date. 2. ODDS — Strong. A factual-accuracy dispute backed by a bank statement and the creditor's own card statement showing on-time payment is one of the more winnable dispute types, since it's a specific, provable claim rather than a general objection. 3. Not applicable — this is a genuine factual error, not an accurate item. 4. Not applicable — this isn't an obsolete-reporting dispute. 5. EVIDENCE CHECKLIST — You already have the two strongest pieces: the bank bill-pay statement and the card statement showing timely receipt. Attach copies of both (not originals) to the letter. If you have a payment confirmation email or screenshot from the bill-pay system with a timestamp, that's a good third piece to include. 6. DISPUTE LETTER — {Your Name} {Your Address} {Today's Date} Experian {Bureau's Dispute Mailing Address} RE: Dispute of Inaccurate Late Payment — Account ending {last 4 digits} To Whom It May Concern, I am writing to dispute inaccurate information on my credit report. My account with {creditor name}, account number ending {last 4 digits}, is reported with a 30-day late payment for March 2026. This is inaccurate. My payment was made on {date paid}, before the due date of {due date}, as shown in the enclosed bank statement and credit card statement. I am requesting that this late-payment mark be corrected to reflect on-time payment status, per my rights under the Fair Credit Reporting Act, 15 U.S.C. §1681i. Enclosed: bank bill-pay statement, credit card statement. Please direct any correspondence to the address above. Sincerely, {Your Name} 7. Not applicable — not an identity theft case. 8. WHAT HAPPENS NEXT — Experian has up to 30 days (45 if you submit more information during the investigation) to investigate and will forward this to the creditor, who must also investigate. Given the direct documentary evidence, this is likely to be corrected; if it's instead "verified" as accurate despite your evidence, you're entitled to know why, and can escalate to a CFPB complaint at that point. 9. WHAT NOT TO DO — Don't let this go as a phone dispute alone; the written letter with attached evidence creates the record that matters if this needs to be escalated later. 10. SENDING THE LETTER — Certified mail with return receipt, to Experian's specific dispute address (not their general customer service address), and keep copies of everything sent.