My Mortgage is paid to and serviced by Select Portfolio Servicing , Inc., ( SPS ). In XXXX, XXXX my credit score dropped XXXX basis points. I was shocked and concerned as nothing in my life had changed that would have resulted in this drop. I investigatedimmediately by obtaining a copy of my XXXX credit reports ( XXXX, XXXX, XXXX ) and immediately noticed that SPS was reporting that I had a 30 day late payment in XXXX XXXX. I proceeded to write SPS on XXXX XXXX, XXXX and provided irrefutable proof that the payment was in fact, NEVER late. The irrefutable proof was a copy of my XXXX XXXX bank statement that showed my XXXX payment cleared my account on XXXX XXXX, XXXX and my XXXX payment cleared my account on XXXX XXXX, XXXX. I asked them to immediately correct their records. I assumed within 30 days this would be behind me and that SPS would agree that they had made an error in reporting my account 30 days late for XXXX XXXX Boy, was I wrong. To my surprise I received a form letter dated XXXX XXXX, XXXX signed by XXXX XXXX, stating in part ; " Our review of the information confirms that the information we provided to the credit reporting agencies matches the status of your account. Based on this, we will not request a change to the information we provided to the CRAs ''. Since I provided irrefutable proof to SPS, I am shocked that SPS has taken an untenable position. I wrote a second letter ( certified mail ) to SPS on XXXX XXXX, XXXX giving them 5 days from receipt of the letter to change my payment history to reflect the truth, which is my XXXX XXXX payment was never late ). I also demanded any proof and evidence to the contrary that my position is incorrect. On further investigating SPS, I have found that there are literally XXXX complaints lodged against this company, which is owned by XXXX XXXX. This company has no business being granted a license to operate anywhere in the U.S. let alone being responsible enough to conduct financial operation 's here. SPS has ruined my credit, which I have diligently worked so hard to restore after the Great Recession. 
