[Your Name]
[Your Address]
[City, State, ZIP Code]
[Date]
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374-0256
Experian
P.O. Box 4500
Allen, TX 75013
TransUnion LLC
P.O. Box 2000
Chester, PA 19016
Subject: Request for Credit Information Correction - Compliance with 15 U.S. Code § 1666b and Other FCRA Provisions
I am writing to you as the holder of account number [Account Number] for my credit card, auto loan, and/or mortgage to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code § 1666b and other relevant sections of the Fair Credit Reporting Act (FCRA).
According to 15 U.S. Code § 1666b, creditors must send periodic statements, including all information required by section 1637(b), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.
Additionally, the FCRA, specifically sections 15 U.S. Code § 1681i and 15 U.S. Code § 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.
I have identified that the statements for my credit card, auto loan, and/or mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.
Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act (PAANL), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments:
Date of reported late payment: [Date]
I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation.
I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Thank you for your attention to this important matter.
Sincerely,
[Your Name]
[Your Signature]