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This Part 2 Letter is a follow-up enforcement tool that challenges the unlawful reporting of late payments by any creditor that appears on your credit report—in direct violation of 15 U.S.C. § 1681a(2)(A)(i).
Federal law excludes any report based solely on transactions or experiences between a consumer and the person making the report. That includes late payments, which are nothing more than transactional history.
This letter places the creditor on legal notice that:
Late payment data is legally excluded from consumer reports by statute
Reporting such data is a willful violation of the FCRA
They have 10 calendar days to delete or correct all listed late payments
Failure to comply will trigger civil liability under 15 U.S.C. § 1681n, including:
– Defamation of character
– Negligent non-compliance
– Mental anguish
– $1,000 per violation
Includes space to:
List all affected accounts
Attach copy of ID and utility bill
Send directly to the creditor’s compliance department or CFO
This is a statutory enforcement letter, not a request. It makes clear that Congress forbids these reports, and that you are aware of your legal remedy.
Let the creditor know: You’ve read the law—and now, they have 10 days.
This Part 2 Letter is a follow-up enforcement tool that challenges the unlawful reporting of late payments by any creditor that appears on your credit report—in direct violation of 15 U.S.C. § 1681a(2)(A)(i).
Federal law excludes any report based solely on transactions or experiences between a consumer and the person making the report. That includes late payments, which are nothing more than transactional history.
This letter places the creditor on legal notice that:
Late payment data is legally excluded from consumer reports by statute
Reporting such data is a willful violation of the FCRA
They have 10 calendar days to delete or correct all listed late payments
Failure to comply will trigger civil liability under 15 U.S.C. § 1681n, including:
– Defamation of character
– Negligent non-compliance
– Mental anguish
– $1,000 per violation
Includes space to:
List all affected accounts
Attach copy of ID and utility bill
Send directly to the creditor’s compliance department or CFO
This is a statutory enforcement letter, not a request. It makes clear that Congress forbids these reports, and that you are aware of your legal remedy.
Let the creditor know: You’ve read the law—and now, they have 10 days.