Reference : DISPUTE FOR LATE PAYMENTS REPORTED TO CREDIT GENCIES, I AM NOT LEGALLY LIABLE FOR THE ACCOUNT. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 1. On XX/XX/XXXX, being legally married to XXXX XXXX XXXX XXXX with social security number XXXX together we made a mortgage loan in XXXX XXXX. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 2. I divorced XXXX XXXX XXXX XXXX in XX/XX/XXXX, and legally by Judgment of the court of XX/XX/XXXX, and by mutual consent in the divorce decree, was agreed that she would keep the property mortgaged and that she would be responsible for paying the mortgage loan totally. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 3. With the evidence of the court 's divorce decree, I immediately and personally notified the XXXX XXXX office so that they do the necessary arrangements and exclude me completely from this mortgage loan. Then XXXX XXXX agreed and they never reported on my behalf to the credit agencies regarding this mortgage loan. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 4. OnXX/XX/XXXX, the Office of the Commissioner of Financial Institutions ( OCIF ) closed the operations of XXXX BANK and this mortgage loan was acquired by BANCO POPULAR de Puerto Rico ( BPPR ) with mortgage account number XXXX ; this company is a banking company with headquarters in the XXXX XXXX building on XXXX XXXX XXXX XXXX in XXXX XXXX, PR XXXX, telephone XXXX. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 5. Once the BANCO POPULAR de Puerto Rico ( BPPR ) acquired this mortgage loan, carelessly and negligently, they reported to my credit history all the defaulting payments made by XXXX XXXX XXXX XXXX affecting severely my credit. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 6. On XX/XX/XXXX I contacted to BANCO POPULAR de Puerto Rico ( BPPR ) and a claim was completed and registered with the number XXXX. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 7. On XX/XX/XXXX by email they responded and sent me a resolution of my claim where they indicated that my claim was NOT PROCEDED because a change of owner was not made in the account, and the negative credit information will could not be removed from my credit profile and would remain on the credit report until 7 years after XX/XX/XXXX when this mortgage loan was cancelled per XXXX XXXX XXXX XXXX. Besides the XXXX XXXX no longer exists and the agreement and arrangement was made with them. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 8. The negligent acts and omissions of BANCO POPULAR de Puerto Rico ( BPPR ) have caused damage to my credit reputation, and emotional and moral damages suffered as a result of such negligence. I am a XXXX XXXX person and this situation has increased my XXXX and XXXX  health problems. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - For the reasons stated above, I come to you for your help and understanding, because I am not legally liable for this account, and I kindly request you help me to remove all reports of late payments from my credit history reported by BANCO POPULAR de Puerto Rico ( BPPR ), I really appreciate your valuable help and understanding in this matter. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - In evidence of the above I am submitting in the attached PDF file the following documents : 1-Resolution of the bank 's claim, page 1 ( XXXX version ). 2-Divorce, pages 2, 3 and 4, ( XXXX version ). 3-Copy credit report XXXX, XXXX, XXXX, pages 5, 6 and 7.