I am filing with XXXX XXXX XXXX at the same time I am filing with you : This communique is to address my concerns over you reporting me to the credit burrow with late payment and adversely affecting my credit and ability to refinance my loan. This is simply not true, I have paid you the same amount for over 6 years, every month, always on time. This is easy to see in the attacked payment history that covers the entire time that your representatives would send me. I do have ALL of my payments and bills that I can produce if necessary, though my time doing that would be billable. 
XX/XX/XXXX, I inquired with XXXX XXXX XXXX ( XXXX ) to see if I qualified for a restructuring of my load to reduce my interest rates and payments. I was very vocal that I did not want anything with my existing loan to change without my permission. It appears that you did not pay any attention to me and sometime XX/XX/XXXX, without my permission you decided to start requiring escrow from me, which I have never paid. I make all my insurance and tax payments myself. It should be noted that they have always been paid on time and in full. 
XX/XX/XXXX, XXXX sent me a restructured loan packet with a HIGHER interest rate and higher payments. This was unacceptable and I declined it, instructing you NOT to change my existing loan again. I have to instruct you verbally and in writing numerous times before you stopped pestering me about it. However, as noted above, not only did you add escrow to my account, but you did not notify me. You then began sending me notices that my payments were not sufficient and all my payments were going into suspense. I made numerous calls and wrote numerous letters trying to straighten this out. XXXX was very uncooperative and rude on many occasions, refusing to transfer me to managers when I requested. I sent written notice to stop collecting esc row and not to make any payments. However, you still made a payment to my insurance company, even though I was paying them monthly. I had to take my own time to recoup this mistaken payment that you made and returned it to you in an effort to straighten out the escrow issue. All of this should be in your records. 
The above is a brief summary of what has transpired and attached are records of my payments, on time and for the full principle and interest. I want you to do the following : I want remove the " Late Payment '' on my credit history and with all credit reporting institution post haste. This would be the " account 30 days past due on XX/XX/XXXX. I made the same payments as always and the escrow was in dispute.