I am submitting more evidence in my credit dispute regarding an item on my credit report # XXXX. 

I do not dispute that my payment to XXXX XXXX was 30+ days late. I 'm disputing the reason WHY the payment was late. I have already spoken with them and they removed the late fee once they heard WHY the payment was late. 

As you may be aware, the XXXX was hit by devastating XXXX this winter. In XXXX, the XXXX. During this time, I had all my bills forwarded and was able to keep up with all my credit obligations ; however, I apparently misplaced the single XXXX XXXX bill and so it was late. Once I learned of the delinquency, I paid it immediately. They were cooperative with me, and removed the late fee. 

I have a pristine credit record, which I have worked very hard to achieve. This late fee on my credit report has dropped my credit rating from XXXX to XXXX. As I am nearing retirement, this may have devastating impact on my ability to purchase a retirement home, move, etc. 
I know that credit reporting bureaus have the ability to remove information should they so choose. I urge you to take my prior and pristine credit into consideration, consider that the store in question had no problem recognizing that the 30 + day delinquency was due solely to extenuating circumstances, and the impact the drop in FICO score has on my credit report and my reputation. I am also sending this along to the Consumer Financial Protection Bureau, as I know they are interested in issues of this type.