Late Payment Removal via CFPB or via Original Creditor -Open Accounts ONLY!

LaShanta Witherspoon

Sep 20 (edited) in Major WINS!🏆

Use this if your trying to get a late payment removed on a OPEN accounts. Attached is also an already formatted letter.

This can be use on any credit bureau!

Date

Creditor Name

Address

City, State and Zip

Re: Account # (Late Payment)

Dear Sir/Ma'am,

I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date(s):

(enter late payment date _/_/_ (enter late payment date _/_/_ (enter late payment date _/_/)

It is my understanding that per 15 USC 1681(a)(2)(A)(i), my consumer report should not contain information solely as to transactions or experiences between the consumer (me) and the person (you) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures (according to 15 USC 1666(b)) that you have adopted to ensure that each periodic statement is mailed to me (the consumer) not later than 21 days before the payment due date. Include also, all the information required by Section 1637(b) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you cannot verify the late payments on the dates specified above (lacking reasonable procedures to ensure the accuracy of my account) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies’ (Equifax, Experian & Transunion or all that apply) and update the accounts to positive.

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

Regards,

Your Name

Address

City State Zip

Date of Birth

Last 4 of SSN

Documents to send :

Copy of your: