Late Payment Rebuttal Letter – FCRA & TILA Enforcement Against Credit Bureaus
This rebuttal letter is crafted to expose and challenge the fraudulent “verification” of late payments by Experian, Equifax, and TransUnion—using direct citations from the Fair Credit Reporting Act (FCRA) and Truth in Lending Act (TILA).
When the bureaus claim an account was “verified” without proper procedure, this letter forces them to answer the real legal question:
Was the creditor lawfully authorized to report the late payment in the first place?
Inside this document:
Cites 15 U.S.C. § 1681a(2)(A)(i) – Excludes transaction data from consumer reports
Demands compliance with 15 U.S.C. § 1666b – Requires billing to be mailed 21 days before a due date
Invokes § 1637(b) – Requires creditors to disclose billing terms and provide documentation
Challenges the bureaus on their “reasonable procedures” under the law
Requests certified agent verification and lawful procedure documentation
Provides space to list each account you want deleted
This is a rebuttal—not a request. If no certified lawful procedure was followed, the tradeline must be removed under federal law. Use this tool to hold furnishers and bureaus civilly liable for false reporting and noncompliance.
Written for those who understand enforcement—not begging.
This rebuttal letter is crafted to expose and challenge the fraudulent “verification” of late payments by Experian, Equifax, and TransUnion—using direct citations from the Fair Credit Reporting Act (FCRA) and Truth in Lending Act (TILA).
When the bureaus claim an account was “verified” without proper procedure, this letter forces them to answer the real legal question:
Was the creditor lawfully authorized to report the late payment in the first place?
Inside this document:
Cites 15 U.S.C. § 1681a(2)(A)(i) – Excludes transaction data from consumer reports
Demands compliance with 15 U.S.C. § 1666b – Requires billing to be mailed 21 days before a due date
Invokes § 1637(b) – Requires creditors to disclose billing terms and provide documentation
Challenges the bureaus on their “reasonable procedures” under the law
Requests certified agent verification and lawful procedure documentation
Provides space to list each account you want deleted
This is a rebuttal—not a request. If no certified lawful procedure was followed, the tradeline must be removed under federal law. Use this tool to hold furnishers and bureaus civilly liable for false reporting and noncompliance.
Written for those who understand enforcement—not begging.
This rebuttal letter is crafted to expose and challenge the fraudulent “verification” of late payments by Experian, Equifax, and TransUnion—using direct citations from the Fair Credit Reporting Act (FCRA) and Truth in Lending Act (TILA).
When the bureaus claim an account was “verified” without proper procedure, this letter forces them to answer the real legal question:
Was the creditor lawfully authorized to report the late payment in the first place?
Inside this document:
Cites 15 U.S.C. § 1681a(2)(A)(i) – Excludes transaction data from consumer reports
Demands compliance with 15 U.S.C. § 1666b – Requires billing to be mailed 21 days before a due date
Invokes § 1637(b) – Requires creditors to disclose billing terms and provide documentation
Challenges the bureaus on their “reasonable procedures” under the law
Requests certified agent verification and lawful procedure documentation
Provides space to list each account you want deleted
This is a rebuttal—not a request. If no certified lawful procedure was followed, the tradeline must be removed under federal law. Use this tool to hold furnishers and bureaus civilly liable for false reporting and noncompliance.
Written for those who understand enforcement—not begging.