Your full name:
Current address:
Date of birth:
Credit Bureau Address
Date:
Dear Reporting Agency:
I am writing you in regards to late payments you are reporting on my credit file. I believe this is a clerical error on either your end or the creditors end.
According to the Fair Credit Billing Act (FCBA), 15 U.S. Code §§ 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CANNOT.
It has been 35 days since I contacted them and they simply stated "PLEASE CONTACT THE REPORTING AGENCY THAT IS REPORTING THESE FALSE LATE PAYMENTS" in which that is YOU!
NOTATION: Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant. Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts elsewise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior(s) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of “PAID/PAYS AS AGREED, NEVER LATE”.
Here are the accounts showing inaccurate data:
Creditor: Account: Reason: Instruction:
KIKOFF LENDING LLC CLGB24**** - I was Never Late in August of 2021 and July of 2022 on this account. Please update the account to Paid/Current.
Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!
Regards,
Your Name