**Late Payment Deletion Script** for Transunion and Experian💪🏽

IT HAS NOT WORKED ON CLOSED ACCOUNTS WITH LATE PAYMENTS‼️

**Consumer:** Hello, I’m calling to dispute an item on my consumer report that, by law, should not be reported. Your institution is currently reporting this item, and I would like to address it.

**Representative:** Which account are you referring to?

**Consumer:** On [X Date], your company reported a transaction as late to [Experian, TransUnion, Equifax – choose the appropriate credit reporting agency]. I’d like to bring this to your attention.

Under **15 USC 1681a**, the law states:

**(2) Exclusions:**

Except as provided in paragraph (3), the term "consumer report" does not include:

(i) Reports containing information solely as to transactions or experiences between the consumer and the person making the report.

This means that my transactions or experiences with your company are excluded by law from my consumer report. I am requesting that this transaction or experience be deleted.

**Representative:** By law, we are required to report your late payment!

**Consumer:** Can you cite the specific law that requires you to report a transaction as a late payment?

The only potential law that addresses late payments is **15 U.S. Code § 1666b - Timing of Payments**.

**(a) Time to Make Payments:**

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by **Section 1637(b)** of this title, is mailed or delivered to the consumer at least 21 days before the payment due date.

**Consumer:** Please provide the tracking number for the periodic statement that was mailed or delivered 21 days before my payment due date, along with all the information required under Section 1637(b).

**Representative:** [May become flustered or may not have the required information.]

**Consumer:** If you're unable to provide that information, I would like to escalate this to a supervisor. Also, please be aware that this call is being recorded, and the information provided may be used in any legal action for violations of consumer protection laws, specifically:

- **FCRA (15 USC 1681a)**

- **15 USC 1681s-2**

- **15 USC 1681n**

- **15 USC 1666b** (Timing of Payments)

I am formally requesting the deletion of all transactions marked as late on my consumer reports.

Note: If the rep is giving you a hard time, hang up and call back to get someone else ! DONT GIVE UP!

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