Dear CFPB : This matter is very time sensitive. Equifax erroneously reported to XXXX party XXXX that my wife and I had a 90-day late on our home loans in XX/XX/XXXX. That is impossible. We completed a successful short sale with XXXX on XX/XX/XXXX. XXXX was contacted. They completed an investigation and confirmed that they reported correctly to Equifax. Equifax made the error. As a result, our FICO score has been affected and moreover, we are unable to buy the home that we want to purchase and raise our son in. 

Countless hours have been invested trying to ascertain who reported an erroneous late in XX/XX/XXXX. Equifax is the culprit. 

Attached is a recent letter from XXXX confirming that we were never late in XX/XX/XXXX and all debt was settled in XX/XX/XXXX.