Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RockLoans Holdings LLC
State: FL

Complaint narrative:
Late Payment Removal Letter ( FCRA 15 U.S.C. 1681s-2 ) [ Your Name ] [ Your Address ] [ City, State ZIP ] [ Email Address ] [ Date ] [ Creditor/Servicer Name ] XXXX XXXX XXXX [ Creditor Address ] [ City, State ZIP ] Re : Notice of Inaccurate Credit Reporting Demand for Investigation and Correction Under 15 U.S.C. 1681s-2 & 1681i Account : [ Account Number ] To Whom It May Concern, I am formally notifying you that your company is reporting a late payment on the above-referenced account that I assert is inaccurate, incomplete, and in violation of the Fair Credit Reporting Act ( FCRA ). This letter serves as a direct dispute and demand for reinvestigation under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ).

1. Failure to Ensure Maximum Possible Accuracy Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are legally required to conduct a reasonable investigation upon receiving notice of disputed information and to correct or delete inaccurate, incomplete, or unverifiable data. 
The currently reported late payment is unverified and does not reflect accurate account history. Continued reporting of an inaccurate late payment constitutes negligent and potentially willful non-compliance. 

2. Relevant Supporting Case Law Your ongoing reporting may expose your company to liability as demonstrated in multiple federal cases : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The court held that furnishers must conduct a meaningful and reasonable investigation when a consumer disputes information. 

XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Established that furnishers who fail to perform a proper investigation under 1681s-2 ( b ) can be held liable for FCRA violations XXXX 

XXXX XXXX XXXX Banking XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The court found that reporting information that is technically accurate, but misleading can still violate the FCRA. 

XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX that furnishers must correct inaccurate or incomplete information or face civil liability. 

These cases firmly establish that failure to correct inaccurate, incomplete, or misleading reporting is actionable under federal law. 

3. Demand for Immediate Corrective Action I am demanding that you : Conduct a reasonable investigation as required by 15 U.S.C. 1681s-2 ( b ). 

Provide written verification and documentation proving the accuracy of the alleged late payment. 

If you can not produce verifiable evidence, delete the late payment from all consumer reporting agencies, including but not limited to : Equifax Experian TransUnion If you fail to complete this investigation within 30 days or continue reporting inaccurate information, I will have no choice but to pursue further remedies, including filing complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney General and, if necessary, initiate a civil action seeking damages for negligent or willful noncompliance under 15 U.S.C. 1681n and 1681o.

4. Request for Written Confirmation Please provide a written response confirming : Completion of the investigation Actions taken Updated reporting status Thank you for your prompt attention to this matter. I expect full compliance with the FCRA. 

Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation