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Overdue payment reminder for HR

all right so when it comes to dealing with late payments right um a lot of us think that you know late payments are supposed to be reported but the law says late payments are actually legal right so you need to ex um you need to enforce and demand what you need done so this is who you're wrting to whom it may concern right you can send this letter to um the friend fer which is whichever company XYZ company that's Furnishing the information on the consumer report right so let's say XY XYZ financing is reporting it to Experian right you can send this letter to both of them right I recently received a copy of my Experian TransUnion Equifax credit report and I no there some and I noce some late payments posted on my credit right you're going to list right here you're going to list the accounts um your company is in clear violation of the law um under 15 USC 1681b permissible purpose of a consumer reports the law clearly states in general subject to subsection C any consumer reporting agency May furnish a consumer report under the following circumstances and no other uh number two in ance with the written instruction instuction of the consumer to whom it relates right did I give written instruction to furnish this on my credit report or you could put to furnish this account you can put account there account on my credit report furthermore the Fair Credit Reporting Act 15 USC 16812 A1 under the exclusion section so exclusions from a consumer credit report clearly State except as provided in paragraph 3 the term Consumer Report does not include subject to subsection 1681 S3 of this title report containing information solely as a transactions or experiences between the consumer and the person making the report now if you go back to your definition section person can either mean the natural person a corporation government entity and so on so basically what they're saying a a late payment is a transaction is transaction or experiences between the consumer which the consumer is defined as the natural person and a uh and the person making the report so XYZ company so it's important that you understand understand the meaning of words so right here it's saying hey that that's a transaction or experience between the consumer and the person it's not supposed to be on there delete the above late payment from my consumer report this agenes in violation of 15 USC 1681 now you're not telling them to delete the account you want them to delete the above late payments if you want to keep the account so you can go two ways with this you can have them delete the account or you can have them delete delay payments from your account two different things all right and then it goes on to say fail to respond you can take legal action because they are in violation of the law and the law says under civil liability um if you read the portion that says um 15 USC 1681 n is going to basically tell you what your entitled to under the Civil liability section all right so that's it that's how you really get rid of late payments by really enforcing the law and letting them know that you know what you're talking about all right so that's it for late payments