Business ProfileforIC Federal Credit Union

Dear Mr. Christopher *. H*****,CEO, IC Federal Credit Union, I hope this message finds you well. I am writing to bring to your attention a matter regarding my credit report that has caused me great concern. Upon reviewing my report, I was surprised to discover a late payment reported for June 2024, marked as 30 days late. I have always strived to maintain a positive and responsible relationship with IC Federal Credit Union. To the best of my knowledge, I believe I made my payments on time whenever I received my statements. I suspect that either my monthly statement may not have reached me, or this oversight occurred during a particularly challenging period when I was grieving the loss of my two brothers and coping with depression. I communicated these personal hardships to your customer service team, who assured me that I need not worry. Given the strong relationship we have built over time, I kindly request the removal of this 30-day late payment from my credit report. I believe this incident is an anomaly and does not reflect my otherwise impeccable payment history. Additionally, I ask for the refund of any late fees that may have been assessed as a result of this oversight. As a loyal customer, I respectfully reference the provisions of the Fair Credit Billing Act (15 USC 1666b, 1681i, and 1692g), which emphasize the importance of accurate billing and reporting. Due to the potential inaccuracies and the circumstances surrounding this situation, I urge you to review my account and take the necessary steps to correct this matter, including the immediate removal of the late payment from all credit reporting agencies. I trust that we can resolve this issue swiftly and amicably, avoiding unnecessary back-and-forth that could detract from the positive experiences I've had with IC Federal Credit Union over the years. I greatly appreciate your understanding and look forward to continuing our excellent relationship moving forward. Thanks