In 2010 I applied for a loan modification. During the 'trial ' period I was given a payment amount to make and I paid each and every payment on time and complete as agreed until the modification was approved on XXXX/XXXX/2010. I have recently discovered that Bank of America has been reporting me as having late payments and this has had a negative effect on my credit score, dragging it down, according to my current servicer, to XXXX. I never made a single payment late nor did I pay a late charge. I recently disputed this through XXXX of the credit reporting services but Bank of America has refused to correct it. At the time I applied for the modification I was told that it would not effect my credit as long as I made the required payments. In checking the .gov relative to the modification I found that BOA was not supposed to have reported me as delinquent. I would like for you to handle this before I need an attorney. I believe that I am not the only victim of BOA in this and BOA should be investigated for this practice. 
