XX/XX/2018 Dear XXXX XXXX XXXX XXXX ( to Manager Supervisor and/or other Decision Maker please ) Reference loan # XXXX for XXXX XXXX XXXX I write to request the removal of two ( 2 ) 90 day late reports on my credit report that XXXX  XXXX XXXX agency put on all three credit bureau reports this past month. 
I did not know this repayment plan had started until I was notified by XXXX XXXX into my current email address ( which you now have when I spoke with this department after arranging the forebearance on this account. ) that there two ( 2 ) 90-120 late payments that had been attached to my credit. 
I have not had access to the email address this Dept said was being billed for these 2 loans for more than 2 years. 
I was completely unaware that these loan repayment plans had begun. My daughter took a job overseas right after gruaduation, therefore, our communication has been limited. I did not even know that her repayment schedule had started. 
I live in the same address ( 11 years ) so ANY piece of mail either at start of repayment period or ANY time during this 90-120 day period you claim I was late would have been responded to in a timely and responsible way, as this is how I manage all of my finances. EVERY SINGLE one of my credit accounts are 100 % current except for these two ( 2 ) 90-120 day late payments this servicing agency attached to my credit. I would NEVER ignore any debt I have to repay. 
It is very unreasonable to expect that I recall in the many pages of loan documents attached to these loans agreed to so many years ago contained an agreement to " paperless billing. '' And I would have had to remember the email address situation. 
Why was the FIRST AND ONLY late notice report to credit bureaus these 2 so very derogatory 90-120 day late pays that virtually destroyed my credit rating. Why couldn't this company send one piece of mail to my home address? 
This heavy handed " billing '' practice of subjecting my credit to a more than 100 point decline with these " seriously late '' payments 90-120 days is unfair and has so negatively impacted my credit and life. 
My car was totaled 2 months ago. It was older and all paid for and insured, but the insurance will not cover the cost of a replacement car. I need to finance the balance and now I'm in a terrible place because of THIS problem alone. A person 's credit is no unimportant matter and the placement of these 2 so derogatory late pays has had such serious consequences on my life right now. 
Although I see the reporting is showing the current status because of the forebearance, the overall score is only minimally improved. It will be many many months before I get back where I was before this fed loan incident. And I need transportation now. 
Please remove these two ( 2 ) 90-120 day late reports from all three bureaus. It is unfair to hit my credit so badly. I didn't know the loan repay had started because I had no access to that old email address and this agency did not send any written bill, for current payment or any late payment, to my home address. Also, to hit my credit out of the blue with two ( 2 ) 90-120 day lates is so unfair and heavyhanded that they should be removed completely. 
Please respond to my letter as soon as possible. 
Thank you, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX XXXX Hello, this is a copy of the correspondence I sent that has been received by XXXX XXXX XXXX XXXX company with no action taken and the online dispute was rejected leaving these 2 seriously derogatory credit reports of 90-120 days late which has virtually destroyed my credit score. 
The company never sent ONE piece of mail to my home address where I have lived for XXXX  years. 
The company did not report 30 day or 60 day but went right to 90-120 day derogatory info as first credit reporting about these accounts. 
As I monitor my credit, had they responsibly reported, I would have resolved this simple clerical issue immediately as I did ONLY when I became aware.