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This legally precise letter is written for direct submission to the original creditor—challenging their right to report a late payment by invoking federal billing law under the Truth in Lending Act and the Fair Credit Reporting Act.
Under 15 U.S.C. § 1666b, no creditor can legally mark a payment as late unless they can prove that all required billing disclosures under 15 U.S.C. § 1637(b) were mailed or delivered at least 21 days before the due date.
This rebuttal letter demands that proof—or else the reporting must be removed.
This letter includes:
Full federal citation of § 1681a(2)(A)(i) excluding experience-based data from consumer reports
Enforcement of § 1666b for improper late fees and report timing
Invocation of § 1637(b) requiring clear disclosure of key billing information
Legal language demanding documentary proof within 10 calendar days
UCC 1-308 reservation of rights and statement of non-consent
Space to list all affected late payment accounts
Use this letter when the creditor is violating your federal rights by reporting without proper billing procedures. This is not a dispute—it’s a lawful rebuttal and demand for deletion.
Let the creditor know: “Verified” without lawful compliance is fraud.
This legally precise letter is written for direct submission to the original creditor—challenging their right to report a late payment by invoking federal billing law under the Truth in Lending Act and the Fair Credit Reporting Act.
Under 15 U.S.C. § 1666b, no creditor can legally mark a payment as late unless they can prove that all required billing disclosures under 15 U.S.C. § 1637(b) were mailed or delivered at least 21 days before the due date.
This rebuttal letter demands that proof—or else the reporting must be removed.
This letter includes:
Full federal citation of § 1681a(2)(A)(i) excluding experience-based data from consumer reports
Enforcement of § 1666b for improper late fees and report timing
Invocation of § 1637(b) requiring clear disclosure of key billing information
Legal language demanding documentary proof within 10 calendar days
UCC 1-308 reservation of rights and statement of non-consent
Space to list all affected late payment accounts
Use this letter when the creditor is violating your federal rights by reporting without proper billing procedures. This is not a dispute—it’s a lawful rebuttal and demand for deletion.
Let the creditor know: “Verified” without lawful compliance is fraud.