I am disputing a derogatory credit report issued by XXXX XXXX based on two missed payments, specifically in XXXX and XX/XX/2018. 
Several phone calls were made to XXXX XXXX on XX/XX/XXXX and XX/XX/2018 to expedite payment and clear the remaining balance in order for this writer to appeal for reversal of the derogatory remarks with XXXX 's consumer credit specialist. This writer further went to XXXX 's store on XX/XX/XXXX and turned in a {$150.00} cash deposit to customer service to fast-pay an adjusted balance of {$140.00} since the phone payment done on XX/XX/XXXX has not cleared yet ( normally takes 48 hours per XXXX XXXX ). 

An excerpt of the letter sent to XXXX XXXX to help resolve the issue is thereby included in this narrative : I am writing to dispute a late payment report with derogatory remarks imposed in my credit file. The item Im disputing is XXXX star rewards account. Its remaining adjusted balance of {$140.00} was paid over the phone as of XX/XX/2018, and the account was closed upon my request. 
This late payment report is inaccurate because of the following : 1. I accompanied my XXXX-year-old daughter to XXXX store to pick and purchase a party dress for her. When the purchase was made on XX/XX/2018 ( original purchase {$100.00}, the record was obtained from XXXX store XXXX ), I was under the impression that the items were applied into my debit/bank card because I handed it over to the store clerk. I was offered during this check- out to enroll for XXXX rewards card for on the spot store discounts and for future purchases. I said No, I dont have enough time because we were in a hurry to leave for her hockey game that evening. The store clerk insisted it will take a few minutes so I reluctantly said okay. I preferred using my debit card as a credit card so I signed off for the purchase and we both quickly left. I was unaware that the store card was also approved during check-out and the purchase was entered into the store card instead of my debit/bank card which I thought was charged for the purchase so I did not expect a bill to arrive. 
2. I received XXXX statement as of XX/XX/2018, and found out that the account is 2 months past due. Im not even aware if there were other statements that were mailed to us because this is the first and only statement my husband and I have seen for the months of XXXX and XXXX. The address printed on this statement is incorrect. The full address is as printed above .... ( address deleted per CFPB instructions ). We live in a XXXX unit condominium building with a designated mailbox for each owner. I did not receive a XXXX XX/XX/2018 statement nor a XXXX credit card. There is no guarantee that previous XXXX XXXX statements were delivered appropriately or mailed to my current address. 
As a result of this derogatory remarks sent to the credit bureaus, my credit rating was greatly impacted in the midst of our mortgage loan pre-closing which was questioned during supplemental report review. 
I am requesting for removal and reversal of the derogatory credit reporting as I find this unfair and unacceptable business practice. For a {$100.00} or unadjusted {$110.00} which I initially offered to pay for with my debit card, your store clerks should have been trained to respect preferred payment methods from customers who already said no the first time when an invitation for a store card is presented but declined.