Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA EMAIL XXXX XXXX, Florida, XXXX XXXX RE : Loan # XXXX, SUBJECT : Credit Report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Dear XXXX XXXX, I do not know who I am able to contact at XXXX XXXX to resolve a very serious problem, but you are listed in Hoovers as a Customer Advocate, so I am writing to you. I received a Notice from a Credit Reporting Service I belong to and was shocked and bewildered that XXXX XXXX  had the audacity to actually report that I am delinquent on the above referenced mortgage loan. XXXX XXXX notified me that you reported my account to XXXX and Transunion as delinquent and my rating went down XXXX points. Not only is this irresponsible and unjustifiable, and bordering on liable and defamation, but is totally illegal. I have been in conversations with your customer service for several weeks regarding this account and XXXX XXXX  received the same amount I have been paying for months, on time each month, and because you changed the escrow amount without my knowledge, you misapplied my payments. I am enclosing with this letter written proof that my bank submitted the full amount of my payments for every month for the last six months through XXXX XXXX XXXX XXXX XXXX. For XXXX XXXX to submit a delinquent notice to Trans Union and other credit reporting agencies when all payments were made on time is immoral, illegal and a breach of your fiduciary duty. Furthermore, due to your irresponsible actions my credit rating has been reduced by over XXXX points, which is grounds for a lawsuit based on precedent. See Court of Appeal, XXXX XXXX, XXXX XXXX, California. Alan R. SPORN, v. HOME DEPOT USA , INC. I have been building up my credit over the last XXXX years from the previous XXXX XXXX  false claims to credit bureaus and will, in fact, pursue this to its fullest if it is not immediately reversed. 

I am, therefore, filing this formal complaint with you personally and XXXX XXXX, along with the government agencies copied on this letter. Furthermore, I am demanding that you immediately rescind your negative report to all three Credit Bureaus and advise them that the delinquent notification from XXXX XXXX is null and void and that any misunderstanding is entirely the fault of XXXX XXXX and that any negative effect on my credit score should be immediately reversed. Furthermore, any and all late charges initiated by XXXX XXXX  be immediately reversed. Any delay will be construed as a default and breach of agreement and will result in further investigation of legal action against XXXX XXXX. 


Respectfully, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX