Late Payment Rebuttal Letter – Part 3: Verified But Unlawful (CRA Dispute Enforcement Tool)
This advanced rebuttal letter is designed for consumers and private trusts who have already received a “verified” response from Experian, Equifax, or TransUnion—but know that the late payment cannot legally be reported.
Under 15 U.S.C. § 1666b, creditors are prohibited from treating a payment as late unless they can prove the billing statement was mailed or delivered 21 days before the due date, along with all disclosures required under § 1637(b) of the Truth in Lending Act.
This letter directly demands:
Proof of 21-day prior delivery
Copy of all disclosures required under 15 U.S.C. § 1637(b)
Certified mail tracking number proving delivery
Legal basis for “verification” by the credit reporting agency
Compliance with 15 U.S.C. § 1681i(5) for deletion of unverifiable information
Includes clear enforcement language, 10-day compliance demand, and UCC 1-308 reservation of rights.
Perfect for those deep in the dispute process who need to hold the credit bureaus and furnishers accountable with law—not emotion.
This is not a template for beginners. This is a rebuttal built for enforcement.
This advanced rebuttal letter is designed for consumers and private trusts who have already received a “verified” response from Experian, Equifax, or TransUnion—but know that the late payment cannot legally be reported.
Under 15 U.S.C. § 1666b, creditors are prohibited from treating a payment as late unless they can prove the billing statement was mailed or delivered 21 days before the due date, along with all disclosures required under § 1637(b) of the Truth in Lending Act.
This letter directly demands:
Proof of 21-day prior delivery
Copy of all disclosures required under 15 U.S.C. § 1637(b)
Certified mail tracking number proving delivery
Legal basis for “verification” by the credit reporting agency
Compliance with 15 U.S.C. § 1681i(5) for deletion of unverifiable information
Includes clear enforcement language, 10-day compliance demand, and UCC 1-308 reservation of rights.
Perfect for those deep in the dispute process who need to hold the credit bureaus and furnishers accountable with law—not emotion.
This is not a template for beginners. This is a rebuttal built for enforcement.
This advanced rebuttal letter is designed for consumers and private trusts who have already received a “verified” response from Experian, Equifax, or TransUnion—but know that the late payment cannot legally be reported.
Under 15 U.S.C. § 1666b, creditors are prohibited from treating a payment as late unless they can prove the billing statement was mailed or delivered 21 days before the due date, along with all disclosures required under § 1637(b) of the Truth in Lending Act.
This letter directly demands:
Proof of 21-day prior delivery
Copy of all disclosures required under 15 U.S.C. § 1637(b)
Certified mail tracking number proving delivery
Legal basis for “verification” by the credit reporting agency
Compliance with 15 U.S.C. § 1681i(5) for deletion of unverifiable information
Includes clear enforcement language, 10-day compliance demand, and UCC 1-308 reservation of rights.
Perfect for those deep in the dispute process who need to hold the credit bureaus and furnishers accountable with law—not emotion.
This is not a template for beginners. This is a rebuttal built for enforcement.