You are WAY OVERTHINKING this. Also, LOE is not meant for stories. It is meant to state the facts. In this case no LOE is needed per see. You can simply say you saw the GCMS notes and noted that your salary information is missing and hence you are updating pay stubs. Just two lines is more than enough.Also, any idea what could I say in my LOE as the reason for not submitting these initially with the application? Because the pay stubs show a generated date prior to application submission. Do you think this might be a red flag showing lethargy or any other suspicious intent?