Remove Late Pay Reporting - Based on Fair Credit Billing Act

[Credit Expert]

Free Credit Letter Template: Remove Late Payment Reporting Based on Fair Credit Billing Act

This credit letter is to: Request the deletion of negative credit reporting based on statutes in the Fair Credit Billing Act (FCBA)




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Dear Creditor or Collection Agency Name,


The Fair Credit Billing Act requires that you bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner.

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For that reason, you must forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer.

Otherwise, delete the negative marks you have reported to the three consumer reporting agencies within the timely manner prescribed by law.

Your prompt attention to this matter will be appreciated.

Sicnerely,



John Consumer


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