I have had a private student loan with your company since XX/XX/XXXX and for 7 years, never had a late payment. I recently discovered that I had a 30 day late mark for my XX/XX/XXXX payment. I also received a collection notice from XXXX XXXX for the entire balance of my loan. My mother has had these payments for this particular loan since it originated and from what I understand, the loan was on autopay. My mother, XXXX XXXX XXXX, was able to get the balance on the co-signed loan up to date in XX/XX/XXXX but not without consequence. My mother 's and my credit report and score suffered significant damage from this negative remark due to the late payment. 
What I am asking of your company is to consider our prior history of on time payments and remove the negative remark on both of our reports across each of the three major credit bureaus ( XXXX, XXXX and XXXX ). My credit score dropped about XXXX points and I make it a point to ensure my payments on time. Part of my good faith effort to reconcile this issue is to update my contact with our company so I may be able to monitor this account more closely in case my mother is not able to make a payment.