{"took":44,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":436,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6883873","_score":23.55406,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The creditor has not updated the information nor has provided proof, or documentation in regards to any late payments. They have not supplied this information and they must delete the alleged payments on my credit report. \n\nUnder 15 USC 1666b, Timing of Payments, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason. Also 15 USC 1681e - compliance procedures, which clearly states maximum possible accuracy.","date_sent_to_company":"2023-04-24T18:21:30.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"377XX","tags":null,"has_narrative":true,"complaint_id":"6883873","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-04-24T17:55:24.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The <em>creditor</em> has not updated the information nor has provided proof, or documentation in regards to any late <em>payments</em>. They have not supplied this information and they must delete the alleged <em>payments</em> on my credit report. \n\nUnder 15 USC 1666b, <em>Timing</em> of <em>Payments</em>, a <em>creditor</em> may not <em>treat</em> a <em>payment</em> on a credit card account under an open and consumer credit plan as late for any reason. Also 15 USC 1681e - <em>compliance</em> procedures, which clearly states maximum possible accuracy."]},"sort":[23.55406,"6883873"]},{"_index":"complaint-public-v1","_id":"9857578","_score":21.617722,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"15 usc 1692 design to eliminate abusive, deceptive, and unfair debt collection practices 15 usc 1681s-2 Responsibility of furnishers of information to consumer reporting agencies 15 usc 1681 ( n ) Civil liability for wilful non compliance 15 USC 1666 ( b ) timing of payments A creditor my not treat a payment on a credit card under an open end customer credit plan as late for any purpose 15 USC 1681 ( c ) 2 Blocking information resulting from identity theft","date_sent_to_company":"2024-08-21T01:12:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"010XX","tags":null,"has_narrative":true,"complaint_id":"9857578","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-21T01:12:51.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["15 usc 1692 design to eliminate abusive, deceptive, and unfair debt collection practices 15 usc 1681s-2 Responsibility of furnishers of information to consumer reporting agencies 15 usc 1681 ( n ) Civil liability for wilful non <em>compliance</em> 15 USC 1666 ( b ) <em>timing</em> of <em>payments</em> A <em>creditor</em> my not <em>treat</em> a <em>payment</em> on a credit card under an open end customer credit plan as late for any purpose 15 USC 1681 ( c ) 2 Blocking information resulting from identity theft"]},"sort":[21.617722,"9857578"]},{"_index":"complaint-public-v1","_id":"9858245","_score":21.532923,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"15 usc 1692 design to eliminate abusive, deceptive, and unfair debt collection practices 15 usc 1681s-2 Responsibility of furnishers of information to consumer reporting agencies 15 usc 1681 ( n ) Civil liability for wilful non compliance 15 USC 1666 ( b ) timing of payments A creditor my not treat a payment on a credit card under an open end customer credit plan as late for any purpose 15 USC 1681 ( c ) 2 Blocking information resulting from XXXX XXXX","date_sent_to_company":"2024-08-21T01:12:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"010XX","tags":null,"has_narrative":true,"complaint_id":"9858245","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-21T00:22:33.000Z","state":"MA","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["15 usc 1692 design to eliminate abusive, deceptive, and unfair debt collection practices 15 usc 1681s-2 Responsibility of furnishers of information to consumer reporting agencies 15 usc 1681 ( n ) Civil liability for wilful non <em>compliance</em> 15 USC 1666 ( b ) <em>timing</em> of <em>payments</em> A <em>creditor</em> my not <em>treat</em> a <em>payment</em> on a credit card under an open end customer credit plan as late for any purpose 15 USC 1681 ( c ) 2 Blocking information resulting from XXXX XXXX"]},"sort":[21.532923,"9858245"]},{"_index":"complaint-public-v1","_id":"8190055","_score":20.631525,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. \n\nWho is going to govern these agencies? \n\nBy the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. \n\nXXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX - XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX - XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 Incorrect Address - XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXX XXXX XXXX, NY, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about EMPLOYER - XXXX XXXX XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about XXXX XXXX - XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX - XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX - XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX  XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX - XX/XX/XXXX XXXX THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX  XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b XXXX Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX - 15 U.S. Code 1681e XXXX Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about EMPLOYER - XXXX XXXX XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX - XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX - XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXXXXXX - XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXXXXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about EMPLOYER - XXXX XXXX XXXX  - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Trans Union XXXX XXXX, and XXXX have violated my rights. \n\n15 U.S.C 1681 section 602 A. States I have the right to privacy. \n\n15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. \n\n15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.","date_sent_to_company":"2024-01-20T18:08:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10309","tags":null,"has_narrative":true,"complaint_id":"8190055","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-20T18:05:36.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 1666b - <em>Timing</em> of <em>payments</em> ( a ) Time to make <em>payments</em> A <em>creditor</em> may not <em>treat</em> a <em>payment</em> on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX - XXXX - 15 U.S. Code 1666b - <em>Timing</em> of <em>payments</em> ( a ) Time to make <em>payments</em> A <em>creditor</em> may not <em>treat</em> a <em>payment</em> on a credit card account under an open end consumer credit plan as late for any purpose XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms."]},"sort":[20.631525,"8190055"]},{"_index":"complaint-public-v1","_id":"8225309","_score":20.557648,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Capital One I'd mail a letter on XX/XX/2024 to provide proof of documents to make sure you're in compliance with Federal Law. \n\n15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments. \nA creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. \n\nI asking to provide proof a statement has been DELIEVERED by Capital One. NOT SENT by Capital One but, proof it has been delivered with sufficient evidence of Tracking, Date, Time as a receipt of delivery.","date_sent_to_company":"2024-01-25T22:08:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"63121","tags":null,"has_narrative":true,"complaint_id":"8225309","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-01-25T21:52:05.000Z","state":"MO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Capital One I'd mail a letter on XX/XX/2024 to provide proof of documents to make sure you're in <em>compliance</em> with Federal Law. \n\n15 U.S. Code 1666b - <em>Timing</em> of <em>payments</em> ( a ) Time to make <em>payments</em>."]},"sort":[20.557648,"8225309"]},{"_index":"complaint-public-v1","_id":"8194124","_score":20.552834,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself.\n\nWho is going to govern these agencies?\n\nBy the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. \n\nXXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX - XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX  - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX  - XXXX  - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2 Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about EMPLOYER - XXXX XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about XXXX XXXX XXXX XXXX  - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX - XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX  - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX XXXX XXXX  - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX  days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2 XXXX XXXX XXXX XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2 XXXX XXXX XXXX - XX/XX/XXXX XXXX THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2 XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2 Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about EMPLOYER - XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX  days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX - XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX XXXX FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX  days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX  DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2 Incorrect Address - XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXX XXXX XXXX NY, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about EMPLOYER - XXXX XXXX XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about XXXX XXXX Experian , and XXXX have violated my rights.\n\n15 U.S.C 1681 section 602 A. States I have the right to privacy.\n\n15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.\n\n15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.","date_sent_to_company":"2024-01-20T18:05:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10309","tags":null,"has_narrative":true,"complaint_id":"8194124","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-20T18:02:15.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 1666b - <em>Timing</em> of <em>payments</em> ( a ) Time to make <em>payments</em> A <em>creditor</em> may not <em>treat</em> a <em>payment</em> on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX - 15 U.S. Code 1666b - <em>Timing</em> of <em>payments</em> ( a ) Time to make <em>payments</em> A <em>creditor</em> may not <em>treat</em> a <em>payment</em> on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX  - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms."]},"sort":[20.552834,"8194124"]},{"_index":"complaint-public-v1","_id":"8822249","_score":20.473661,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Capital One has been Furnishing account transactions. I have recently contacted them to let them know If they were ware that this inaccurate information that was being reported and was in violation according to the law and the only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.\n\nIn order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.\n\n15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! \nA creditor can not treat a payment as late without complying with this section of the law! I have already request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.\n\nthey have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).","date_sent_to_company":"2024-04-23T19:53:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8822249","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-04-21T22:01:28.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Code 1666b - <em>Timing</em> of <em>payments</em> ( a ) Time to Make <em>Payments</em> A <em>creditor</em> may not <em>treat</em> a <em>payment</em> on a credit card account under an open end consumer credit plan as late for any purpose, unless the <em>creditor</em> has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the <em>payment</em> due date."]},"sort":[20.473661,"8822249"]},{"_index":"complaint-public-v1","_id":"8194093","_score":20.275692,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself.\n\nWho is going to govern these agencies?\n\nBy the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. \n\nXXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX - XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX - XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX - XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX  - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX  days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX  DAYS 15 USC 1681C-2 XXXX XXXX XXXX XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2 XXXX XXXX XXXX - XX/XX/XXXX XXXX THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2 XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX  DAYS 15 USC 1681C-2 XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX  - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX  - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX  DAYS 15 USC 1681C-2 Incorrect Address - XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXX XXXX XXXX NY, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about EMPLOYER - XXXX XXXX XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about XXXX XXXX XXXX , and Equifax have violated my rights.\n\n15 U.S.C 1681 section 602 A. States I have the right to privacy.\n\n15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.\n\n15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.","date_sent_to_company":"2024-01-20T18:01:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10309","tags":null,"has_narrative":true,"complaint_id":"8194093","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-20T17:56:12.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 1666b - <em>Timing</em> of <em>payments</em> ( a ) Time to make <em>payments</em> A <em>creditor</em> may not <em>treat</em> a <em>payment</em> on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX - 15 U.S. Code 1666b - <em>Timing</em> of <em>payments</em> ( a ) Time to make <em>payments</em> A <em>creditor</em> may not <em>treat</em> a <em>payment</em> on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms."]},"sort":[20.275692,"8194093"]},{"_index":"complaint-public-v1","_id":"8098201","_score":19.987328,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian is reporting Inaccurate information on my report, that isnt mine. They are in violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy- ACCOUNTS XXXX XXXX  XXXX XXXX XXXX ( LATE PAYMENT ) FCRA VIOLATION- 15 USC 1666b- TIMING OF PAYMENTS STATES : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. \n\n\n\nAlso they are in violation of 15 U.S.Code 1681e ( b ) Compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.","date_sent_to_company":"2024-01-03T21:38:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85254","tags":null,"has_narrative":true,"complaint_id":"8098201","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-03T21:15:37.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 1681i - Procedure in case of disputed accuracy- ACCOUNTS XXXX XXXX  XXXX XXXX XXXX ( LATE <em>PAYMENT</em> ) FCRA VIOLATION- 15 USC 1666b- <em>TIMING</em> OF <em>PAYMENTS</em> STATES : A <em>creditor</em> may not <em>treat</em> a <em>payment</em> on a credit card account under an open end consumer credit plan as late for any purpose."]},"sort":[19.987328,"8098201"]},{"_index":"complaint-public-v1","_id":"13912489","_score":19.622156,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The only way a creditor can treat a payment as late falls under XXXX U.S. CXXXX  XXXXb - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. \nIn order for any creditor to treat a payment as late you must prove that : The information required under XXXX USC XXXX ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. \nXXXX USC XXXX ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. \nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule XXXX the documents that shows proof that the information pursuant section XXXX USC XXXX and XXXX ( b ) of this title was mailed out or delivered 21 days before the payment due date. \nDo not rely to me stating that you are furnishing accurate information because we both know your not. \nDo not tell me this information is verified because you have not submitted proof of compliance with section XXXX USC XXXX ( 2 ) XXXX and XXXX USC XXXX & XXXX ( b ). \nIf you can not provide the proof of the mailing or delivery of the information required by section XXXX you can not treat a payment as late which means you have also violated section XXXX USC XXXX. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late :","date_sent_to_company":"2025-06-05T22:04:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13912489","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-06-05T21:58:58.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The only way a <em>creditor</em> can <em>treat</em> a <em>payment</em> as late falls under XXXX U.S."]},"sort":[19.622156,"13912489"]},{"_index":"complaint-public-v1","_id":"13912724","_score":19.61069,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The only way a creditor can treat a payment as late falls under XXXX XXXX Code XXXX - Timing of payments ( a ) Time to Make Payments A creditor XXXX not treat a payment on a XXXX XXXX  account under an XXXX XXXX XXXX XXXX  plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. \nIn order for any creditor to treat a payment as late you must prove that : The information required under XXXX XXXX XXXX ( b ) of this title was mailed out or delivered XXXX  Days before the payment due date please provide the proof that this information was mailed out or delivered XXXX  days before the payment due date. \nXXXX XXXX XXXX ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have XXXX days to send me all the required information. \nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule XXXX the documents that shows proof that the information pursuant section XXXX XXXX XXXX and XXXX ( b ) of this title was mailed out or delivered XXXX days before the payment due date. \nDo not rely to me stating that you are furnishing accurate information because we both know your not. \nDo not tell me this information is verified because you have not submitted proof of compliance with section XXXX XXXX XXXX ( XXXX ) XXXX and XXXX XXXX XXXX & XXXX ( b ). \nIf you can not provide the proof of the mailing or delivery of the information required by section XXXX you can not treat a payment as late which means you have also violated section XXXX XXXX XXXX. You have XXXX Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late :","date_sent_to_company":"2025-06-05T22:40:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13912724","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-05T22:36:36.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The only way a <em>creditor</em> can <em>treat</em> a <em>payment</em> as late falls under XXXX XXXX Code XXXX - <em>Timing</em> of <em>payments</em> ( a ) Time to Make <em>Payments</em> A <em>creditor</em> XXXX not <em>treat</em> a <em>payment</em> on a XXXX XXXX  account under an XXXX XXXX XXXX XXXX  plan as late for any purpose, unless the <em>creditor</em> has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the"]},"sort":[19.61069,"13912724"]},{"_index":"complaint-public-v1","_id":"6515703","_score":19.602966,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"All PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE WILL NEVER MISS A PAYMENT ON THIS LOAN. 15 USC SECTION 1692 ( g ) REQUIRES VALIDATION OF DEBT REQUIRING A DUTY TO RESPOND AND FAILURE TO RESPOND IS EQUATED WITH FRAUD. This was a joint account my wife 's name also on this account XXXX XXXX this also damage her credit file. Experian & XXXX XXXX 15 USC 1681 This Creditor has violated my rights under this law section 602 states I have the right to Privacy Section 604 Section 2 it also states a consumer reportion agency can not furnish an account without my written instructions. Also the creditor has violated 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments -- -- A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer.","date_sent_to_company":"2023-02-02T00:44:37.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"386XX","tags":null,"has_narrative":true,"complaint_id":"6515703","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-02-02T00:44:34.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Code 1666b - <em>Timing</em> of <em>payments</em> -- -- A <em>creditor</em> may not <em>treat</em> a <em>payment</em> on a credit card account under an open-end consumer credit plan as late for any purpose, unless the <em>creditor</em> has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer."]},"sort":[19.602966,"6515703"]},{"_index":"complaint-public-v1","_id":"13917636","_score":19.55019,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The only way a creditor can treat a payment as late falls under XXXX XXXX Code XXXX - Timing of payments ( a ) Time to Make Payments A creditor XXXX not treat a payment on a XXXX  card account under an XXXX XXXX XXXX XXXX  plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. \nIn order for any creditor to treat a payment as late you must prove that : The information required under XXXX XXXX XXXX ( b ) of this title was mailed out or delivered XXXX Days before the payment due date please provide the proof that this information was mailed out or delivered XXXX days before the payment due date. \nXXXX XXXX XXXX ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have XXXX  days to send me all the required information. \nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule XXXX the documents that shows proof that the information pursuant section XXXX XXXX XXXX and XXXX ( b ) of this title was mailed out or delivered XXXX days before the payment due date. \nDo not rely to me stating that you are furnishing accurate information because we both know your not. \nDo not tell me this information is verified because you have not submitted proof of compliance with section XXXX XXXX XXXX ( XXXX ) XXXX and XXXX XXXX XXXX & XXXX ( b ). \nIf you can not provide the proof of the mailing or delivery of the information required by section XXXX you can not treat a payment as late which means you have also violated section XXXX XXXX XXXX. You have XXXX Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late :","date_sent_to_company":"2025-06-05T18:04:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13917636","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-06-05T17:50:16.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The only way a <em>creditor</em> can <em>treat</em> a <em>payment</em> as late falls under XXXX XXXX Code XXXX - <em>Timing</em> of <em>payments</em> ( a ) Time to Make <em>Payments</em> A <em>creditor</em> XXXX not <em>treat</em> a <em>payment</em> on a XXXX  card account under an XXXX XXXX XXXX XXXX  plan as late for any purpose, unless the <em>creditor</em> has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the"]},"sort":[19.55019,"13917636"]},{"_index":"complaint-public-v1","_id":"10430433","_score":19.381845,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"my account with XXXX XXXX XXXX was never late. i have had an exceptional payment history with XXXX XXXX XXXX and all payments were on XXXX. this late payment that is reporting is a result on a systematic error on their end processing my payment. this was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC 1681eb. this error has caused severe harm to my reputation, my character, my mode of living and to my family. \n\nI demand the late payments reported in XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> to be removed. \n\nThey are not in compliance with the following law 15 USC 1666b and its requirements st the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they DID NOT COMPLY with the LAW.\n\n15 USC 1666b ( a ) TIMING OF PAYMENTS : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose, unless that creditor has adopted reasonable procedures designed to ensure that each statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer NOT LATER THAN 21 days BEFORE the payment due date. \n\nXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).\n\nI have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith PURSUANT rule 1002 and it was never provided. \n\nthis is unfair, illegal and fraudulent, and not equitable to me as a consumer.","date_sent_to_company":"2024-10-12T21:18:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30134","tags":null,"has_narrative":true,"complaint_id":"10430433","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-12T21:18:47.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["They are not in <em>compliance</em> with the following law 15 USC 1666b and its requirements st the standards and the guidance for a <em>creditor</em> to <em>treat</em> a <em>payment</em> as late, yet they are reporting a <em>payment</em> as late and they DID NOT COMPLY with the LAW.\n\n15 USC 1666b ( a ) <em>TIMING</em> OF <em>PAYMENTS</em> : A <em>creditor</em> may not <em>treat</em> a <em>payment</em> on a credit card account under an open end consumer credit plan as late for ANY purpose, unless that <em>creditor</em> has adopted reasonable procedures designed to ensure that each statement including"]},"sort":[19.381845,"10430433"]},{"_index":"complaint-public-v1","_id":"10431062","_score":19.3735,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"my account with XXXX XXXX XXXX  was never late. i have had an exceptional payment history with XXXX XXXX XXXX and all payments were on XXXX. this late payment that is reporting is a result on a systematic error on their end processing my payment. this was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC 1681eb. this error has caused severe harm to my reputation, my character, my mode of living and to my family. \n\nI demand the late payments reported in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> to be removed. \n\nThey are not in compliance with the following law 15 USC 1666b and its requirements st the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they DID NOT COMPLY with the LAW.\n\n15 USC 1666b ( a ) TIMING OF PAYMENTS : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose, unless that creditor has adopted reasonable procedures designed to ensure that each statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer NOT LATER THAN 21 days BEFORE the payment due date. \n\nXXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).\n\nI have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith PURSUANT rule 1002 and it was never provided. \n\nthis is unfair, illegal and fraudulent, and not equitable to me as a consumer.","date_sent_to_company":"2024-10-12T21:18:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30134","tags":null,"has_narrative":true,"complaint_id":"10431062","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-12T21:18:47.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["They are not in <em>compliance</em> with the following law 15 USC 1666b and its requirements st the standards and the guidance for a <em>creditor</em> to <em>treat</em> a <em>payment</em> as late, yet they are reporting a <em>payment</em> as late and they DID NOT COMPLY with the LAW.\n\n15 USC 1666b ( a ) <em>TIMING</em> OF <em>PAYMENTS</em> : A <em>creditor</em> may not <em>treat</em> a <em>payment</em> on a credit card account under an open end consumer credit plan as late for ANY purpose, unless that <em>creditor</em> has adopted reasonable procedures designed to ensure that each statement including"]},"sort":[19.3735,"10431062"]},{"_index":"complaint-public-v1","_id":"10432280","_score":19.323586,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"my account with XXXX XXXX XXXX  was never late. i have had an exceptional payment history with XXXX XXXX XXXX and all payments were on XXXX. this late payment that is reporting is a result on a systematic error on their end processing my payment. this was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC 1681eb. this error has caused severe harm to my reputation, my character, my mode of living and to my family. \n\nI demand the late payments reported in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> to be removed. \n\nThey are not in compliance with the following law 15 USC 1666b and its requirements st the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they DID NOT COMPLY with the LAW.\n\n15 USC 1666b ( a ) TIMING OF PAYMENTS : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose, unless that creditor has adopted reasonable procedures designed to ensure that each statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer NOT LATER THAN 21 days BEFORE the payment due date. \n\nXXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).\n\nI have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith PURSUANT rule 1002 and it was never provided. \n\nthis is unfair, illegal and fraudulent, and not equitable to me as a consumer.","date_sent_to_company":"2024-10-12T21:18:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30134","tags":null,"has_narrative":true,"complaint_id":"10432280","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-12T20:43:13.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["They are not in <em>compliance</em> with the following law 15 USC 1666b and its requirements st the standards and the guidance for a <em>creditor</em> to <em>treat</em> a <em>payment</em> as late, yet they are reporting a <em>payment</em> as late and they DID NOT COMPLY with the LAW.\n\n15 USC 1666b ( a ) <em>TIMING</em> OF <em>PAYMENTS</em> : A <em>creditor</em> may not <em>treat</em> a <em>payment</em> on a credit card account under an open end consumer credit plan as late for ANY purpose, unless that <em>creditor</em> has adopted reasonable procedures designed to ensure that each statement including"]},"sort":[19.323586,"10432280"]},{"_index":"complaint-public-v1","_id":"13913694","_score":19.2378,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.\n\nIn order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.\n\n15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.\n\nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.\n\nDo not rely to me stating that you are furnishing accurate information because we both know your not.\n\nDo not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).\n\nIf you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late :","date_sent_to_company":"2025-06-05T22:10:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13913694","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-06-05T22:05:47.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The only way a <em>creditor</em> can <em>treat</em> a <em>payment</em> as late falls under 15 U.S."]},"sort":[19.2378,"13913694"]},{"_index":"complaint-public-v1","_id":"13912310","_score":19.2378,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.\n\nIn order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.\n\n15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.\n\nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.\n\nDo not rely to me stating that you are furnishing accurate information because we both know your not.\n\nDo not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).\n\nIf you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late :","date_sent_to_company":"2025-06-05T22:24:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13912310","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-05T22:19:50.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The only way a <em>creditor</em> can <em>treat</em> a <em>payment</em> as late falls under 15 U.S."]},"sort":[19.2378,"13912310"]},{"_index":"complaint-public-v1","_id":"13917234","_score":19.208536,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.\n\nIn order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.\n\n15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. \nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.\n\nDo not rely to me stating that you are furnishing accurate information because we both know your not.\n\nDo not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).\n\nIf you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late :","date_sent_to_company":"2025-06-05T18:17:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13917234","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-05T18:13:45.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The only way a <em>creditor</em> can <em>treat</em> a <em>payment</em> as late falls under 15 U.S."]},"sort":[19.208536,"13917234"]},{"_index":"complaint-public-v1","_id":"13913978","_score":19.208536,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.\n\nIn order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.\n\n15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.\n\nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.\n\nDo not rely to me stating that you are furnishing accurate information because we both know your not.\n\nDo not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).\n\nIf you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late :","date_sent_to_company":"2025-06-05T22:17:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13913978","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-05T22:12:57.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The only way a <em>creditor</em> can <em>treat</em> a <em>payment</em> as late falls under 15 U.S."]},"sort":[19.208536,"13913978"]},{"_index":"complaint-public-v1","_id":"13918677","_score":19.188047,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.\n\nIn order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.\n\n15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.\n\nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.\n\nDo not rely to me stating that you are furnishing accurate information because we both know your not.\n\nDo not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).\n\nIf you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late :","date_sent_to_company":"2025-06-05T18:12:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13918677","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-05T18:06:04.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The only way a <em>creditor</em> can <em>treat</em> a <em>payment</em> as late falls under 15 U.S."]},"sort":[19.188047,"13918677"]},{"_index":"complaint-public-v1","_id":"13913470","_score":19.188047,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.\n\nIn order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.\n\n15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.\n\nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. \nDo not rely to me stating that you are furnishing accurate information because we both know your not.\n\nDo not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).\n\nIf you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late :","date_sent_to_company":"2025-06-05T22:44:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13913470","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-05T22:41:01.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The only way a <em>creditor</em> can <em>treat</em> a <em>payment</em> as late falls under 15 U.S."]},"sort":[19.188047,"13913470"]},{"_index":"complaint-public-v1","_id":"13912147","_score":19.188047,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.\n\nIn order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.\n\n15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. \nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.\n\nDo not rely to me stating that you are furnishing accurate information because we both know your not.\n\nDo not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).\n\nIf you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late :","date_sent_to_company":"2025-06-05T22:31:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13912147","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-06-05T22:27:15.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The only way a <em>creditor</em> can <em>treat</em> a <em>payment</em> as late falls under 15 U.S."]},"sort":[19.188047,"13912147"]},{"_index":"complaint-public-v1","_id":"11937752","_score":18.814346,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX furnish inaccurate late payments on my credit profile There are procedures to furnish late payments and must be compliance with the law under Timing of payments 15 u.s.c. 1666B clearly states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reason procedures design to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.\n\n1. I requested information from 1637 ( b ) 2.I requested mail tracking number that was not provided 3.mail or delivered 21 days or less 4.Periodic statement was not provide 5. 15 usc 1681 s-2 Negative information law requirement I requested information from 1681a ( p ) states Negative information notice must be provided to the consumer thirty days before or after the negative account been reported to the consumer credit report I never got the negative notice XXXX XXXX is in violation 15 usc 1681N willfully non compliance civil liability I put the company on notice they fail to investigate my disputes violations under 15usc1681i","date_sent_to_company":"2025-02-04T09:50:56.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"37130","tags":null,"has_narrative":true,"complaint_id":"11937752","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-02-04T09:50:33.000Z","state":"TN","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX furnish inaccurate late <em>payments</em> on my credit profile There are procedures to furnish late <em>payments</em> and must be <em>compliance</em> with the law under <em>Timing</em> of <em>payments</em> 15 u.s.c. 1666B clearly states A <em>creditor</em> may not <em>treat</em> a <em>payment</em> on a credit card account under an open end consumer credit plan as late for any purpose, unless the <em>creditor</em> has adopted reason procedures design to ensure that each periodic statement including the information required"]},"sort":[18.814346,"11937752"]},{"_index":"complaint-public-v1","_id":"11933353","_score":18.814346,"_source":{"product":"Debt collection","complaint_what_happened":"Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX furnish inaccurate late payments on my credit profile There are procedures to furnish late payments and must be compliance with the law under Timing of payments 15 u.s.c. 1666B clearly states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reason procedures design to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.\n\n1. I requested information from 1637 ( b ) 2.I requested mail tracking number that was not provided 3.mail or delivered 21 days or less 4.Periodic statement was not provide 5. 15 usc 1681 s-2 Negative information law requirement I requested information from 1681a ( p ) states Negative information notice must be provided to the consumer thirty days before or after the negative account been reported to the consumer credit report I never got the negative notice Portfolio Recovery is in violation 15 usc 1681N willfully non compliance civil liability I put the company on notice they fail to investigate my disputes violations under 15usc1681i","date_sent_to_company":"2025-02-04T09:50:54.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"37130","tags":null,"has_narrative":true,"complaint_id":"11933353","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-02-04T08:41:33.000Z","state":"TN","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX furnish inaccurate late <em>payments</em> on my credit profile There are procedures to furnish late <em>payments</em> and must be <em>compliance</em> with the law under <em>Timing</em> of <em>payments</em> 15 u.s.c. 1666B clearly states A <em>creditor</em> may not <em>treat</em> a <em>payment</em> on a credit card account under an open end consumer credit plan as late for any purpose, unless the <em>creditor</em> has adopted reason procedures design to ensure that each periodic statement including the information"]},"sort":[18.814346,"11933353"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":436,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":436}]}},"product":{"doc_count":436,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":364,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":360},{"key":"Other personal consumer report","doc_count":4}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":32,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":32}]}},{"key":"Debt collection","doc_count":16,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not 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