Good Morning, We have a customer that we obtained thru a merger several years ago. All the correct disclosures were sent to the new customers at that time. Recently one of those customers (a former attorney) sent a dispute regarding this credit report. His loan was been paid off; however, we correctly reported late several times and have sent him statements and all the evidence of these late payments that he requested. We have responded twice to his request for information (excluding our policy and procedures). Now for the third time he sent us another letter stating that he did not want statements or screen prints of his account history, he wants proof that all payments were applied. This letter also states that we are violating the FCRA because we do not HAVE to report to the Credit Agencies and he would like the lates taken off his report. He is also claiming we are causing him financial hardship and mental anguish. We have also sent a registered letter asking him what exactly he would like to see as proof, he has never contacted us with an answer, he just sends another letter demanding we remove the late information. When does this turn to a frivilious claim and where do we go from here? Any help is appreciated. Thank you.