Product: Credit reporting or other personal consumer reports

XXXX reported a XXXX late payment on my student loan account to the credit bureaus without properly notifying me beforehand. As a result, my credit score dropped significantly ( from XXXX to XXXX ), affecting my ability to qualify for a mortgage. 

XXXX Failed to Provide Proper Notification After discovering the late payment on my credit report, I immediately contacted XXXX and formally disputed the negative mark. I specifically requested that XXXX provide verifiable proof that they had notified me before reporting my account as XXXX  days late. 

I requested the following : Call Logs & Records A complete call history showing timestamps, dates, and phone numbers proving that XXXX attempted to contact me before reporting the late payment. 

XXXX failed to provide any call logs. 
My own phone records show only XXXX call from XXXX it occurred after the late payment had already been reported. 
Email Delivery Proof Documentation proving that late payment notices were sent to my email inbox. 

XXXX failed to provide any email records. 
I checked my email inbox and spam folderthere are no past-due notices from XXXX. 
Physical Mail Delivery Proof XXXX tracking numbers, receipts, or confirmation showing they mailed me a late payment notice. 

XXXX failed to provide any mailing records. 
There is no XXXX proof that XXXX ever mailed a past-due notice before reporting the late payment. 
XXXX XXXX Account Notifications Timestamped records proving when XXXX placed past-due notices in my online XXXX account XXXX 

XXXX falsely claimed that past-due notices were available in my XXXX account XXXX 
However, I had to create a XXXX account for the first time after discovering this issue, meaning I could not have seen any notifications before they reported the late payment. 
XXXX failed to provide timestamped proof of when they posted these notifications. 
XXXX Failed to Provide Proof to Credit Bureaus I also disputed this late payment with Experian, XXXX, and XXXX, but the dispute was denied because XXXX failed to provide them with verifiable proof of proper notification. 

XXXX 's dispute results confirmed that XXXX did not submit any new evidence to verify the late payment. 
This proves that XXXX does not have the required documentation to justify reporting my account as 90 days late. 
Harm Caused by This Reporting Error My credit score dropped over XXXX points, from XXXX to XXXX, because of this wrongfully reported late payment. 
This has jeopardized my ability to secure a mortgage and other financial opportunities. 
XXXX has the power to remove this late payment but refuses to do so. 
Requested Resolution Because XXXX failed to properly notify me before reporting the late payment, and because they failed to provide any verifiable proof to me or the credit bureaus, I am requesting that : XXXX immediately remove the XXXX delinquency from my credit reports ( Experian, XXXX, and XXXX ) XXXX 
XXXX provide written confirmation that this negative mark has been deleted. 
The CFPB investigate XXXX failure to provide documentation proving that they notified me before reporting my account as delinquent. 
This late payment should not be allowed to remain on my credit report when XXXX can not provide proof that they properly notified me. I respectfully request that the CFPB hold XXXX accountable and require them to remove this inaccurate late payment.