Your Name

Your Address

Date

Creditor Name

Creditor Address

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent

[Put Creditor Name Here] you furnished alleged transaction on my { Experian, TransUnion, Equifax (Chose the CRA that the late payment was furnished to} that you identified as late. 

15 U.S. Code § 1681a - Definitions; rules of construction

(2)Exclusions.—Except as provided in paragraph (3), the term “consumer report” does not include—

(i)

report containing information solely as to transactions or experiences between the consumer and the person making the report;

My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code § 1666b - Timing of payments

(a)Time to Make Payments

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637(b) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that:

1)      The information required under 15 USC 1637(b) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

2)      15 USC 1637(b) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor cannot treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637(b) of this title was mailed out or delivered 21 days before the payment due date.

Do not rely to me stating that you are furnishing accurate information because we both know your not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a(2)Ai and 15 USC 1666b & 1637(b).

If you cannot provide the proof of the mailing or delivery of the information required by section 1666b you cannot treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late:

{ List Late Payment account/s}

Your Name

_________________________________

Without Recourse UCC 1-308