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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 you need to enforce and demand what you need done so this is who youre writing to whom it may concern right you can send this letter to um the furniture which is whichever company xyz company thats furnishing the information on the consumer report right so lets 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 noticed some and i noticed some late payments posted on my credit report right youre going to list right here youre going to list the accounts your company is in clear violation of the law under 15 usc 1681b permissible purpose of a consumer reports the law clearly states in general subject to subsection c any consumer reporting agen
