Creditor Late Payment Verified Rebuttal Letter – TILA & FCRA Enforcement Response
This rebuttal letter is designed to enforce your legal position after a creditor falsely responds that a late payment is “accurate” or “verified.” Under federal law, this response is not sufficient unless the creditor can prove that all conditions under the Truth in Lending Act (TILA) have been met—specifically 15 U.S.C. § 1666b and § 1637(b).
This letter asserts the following legal facts:
Verification under law requires “sufficient evidence” — not a mere claim of accuracy
15 U.S.C. § 1666b mandates that a statement must be mailed or delivered 21 days before the due date to treat a payment as late
15 U.S.C. § 1637(b) requires full disclosure of all terms and due dates with each billing statement
Hinkle v. Midland Credit Mgmt., 827 F.3d 1295, 1304 (11th Cir. 2016): If the creditor can’t prove the missed payment, it must be deleted, not verified
This document demands that the creditor:
Delete the late payment from all Consumer Reporting Agencies
Provide lawful evidence of compliance or face liability under 15 U.S.C. § 1681n and § 1681o
Respond within 10 days or waive their right to rebut
Includes:
Federal citations and Black’s Law Dictionary definition of “verify”
Enforcement language tailored for private individuals or trust agents
Section to list account(s) affected
UCC 1-308 reservation of rights clause
This rebuttal isn’t just a follow-up—it’s a statutory enforcement notice telling the creditor their verification is invalid without lawful documentation.
This rebuttal letter is designed to enforce your legal position after a creditor falsely responds that a late payment is “accurate” or “verified.” Under federal law, this response is not sufficient unless the creditor can prove that all conditions under the Truth in Lending Act (TILA) have been met—specifically 15 U.S.C. § 1666b and § 1637(b).
This letter asserts the following legal facts:
Verification under law requires “sufficient evidence” — not a mere claim of accuracy
15 U.S.C. § 1666b mandates that a statement must be mailed or delivered 21 days before the due date to treat a payment as late
15 U.S.C. § 1637(b) requires full disclosure of all terms and due dates with each billing statement
Hinkle v. Midland Credit Mgmt., 827 F.3d 1295, 1304 (11th Cir. 2016): If the creditor can’t prove the missed payment, it must be deleted, not verified
This document demands that the creditor:
Delete the late payment from all Consumer Reporting Agencies
Provide lawful evidence of compliance or face liability under 15 U.S.C. § 1681n and § 1681o
Respond within 10 days or waive their right to rebut
Includes:
Federal citations and Black’s Law Dictionary definition of “verify”
Enforcement language tailored for private individuals or trust agents
Section to list account(s) affected
UCC 1-308 reservation of rights clause
This rebuttal isn’t just a follow-up—it’s a statutory enforcement notice telling the creditor their verification is invalid without lawful documentation.
This rebuttal letter is designed to enforce your legal position after a creditor falsely responds that a late payment is “accurate” or “verified.” Under federal law, this response is not sufficient unless the creditor can prove that all conditions under the Truth in Lending Act (TILA) have been met—specifically 15 U.S.C. § 1666b and § 1637(b).
This letter asserts the following legal facts:
Verification under law requires “sufficient evidence” — not a mere claim of accuracy
15 U.S.C. § 1666b mandates that a statement must be mailed or delivered 21 days before the due date to treat a payment as late
15 U.S.C. § 1637(b) requires full disclosure of all terms and due dates with each billing statement
Hinkle v. Midland Credit Mgmt., 827 F.3d 1295, 1304 (11th Cir. 2016): If the creditor can’t prove the missed payment, it must be deleted, not verified
This document demands that the creditor:
Delete the late payment from all Consumer Reporting Agencies
Provide lawful evidence of compliance or face liability under 15 U.S.C. § 1681n and § 1681o
Respond within 10 days or waive their right to rebut
Includes:
Federal citations and Black’s Law Dictionary definition of “verify”
Enforcement language tailored for private individuals or trust agents
Section to list account(s) affected
UCC 1-308 reservation of rights clause
This rebuttal isn’t just a follow-up—it’s a statutory enforcement notice telling the creditor their verification is invalid without lawful documentation.