{"took":932,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":304853,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9017835","_score":8.201926,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. on XXXX its reporting a late payment of XXXX days on XX/XX/XXXX and on equifax it is reporting a late payment of 60 days on XX/XX/XXXX. On XXXX its reporting a 30 day late payment on XX/XX/XXXX and on XXXX a XXXX  day late payment, a 30 day late on XX/XX/XXXX on XXXX and a 60  day late payment on XX/XX/XXXX. XXXX is reporting a XXXX day late payment on XX/XX/XXXX and a 60 day late payment on XX/XX/XXXX, and a 60 day late payment on XX/XX/XXXX 90 day late payment on XX/XX/XXXX, a 120 day late on months XXXX, XX/XX/XXXX. on Equifax its reporting a late payment of 60 days on XX/XX/XXXX and on equifax it is reporting a late payment of 60 days on XX/XX/XXXX. On equifax its reporting a XXXX day late payment on XX/XX/XXXX and on XXXX a 60 day late payment, a 60 day late on XX/XX/XXXX on XXXX and a 60  day late payment on XX/XX/XXXX. equifax is reporting a 60 day late payment on XX/XX/XXXX and a 90 day late payment on XX/XX/XXXX, and a 90 day late payment on XX/XX/XXXX XXXX day late payment on XX/XX/XXXX, a 120 day late on XXXX, XX/XX/XXXX. on XX/XX/XXXX there is no late payment reported on the equifax credit report. on the XXXX credit report its reporting on time for the month of XXXX with no late but on equifax its reporting as a 30 day late. on XXXX its reporting XX/XX/XXXX as a 30 day late, and a 60 day late on XX/XX/XXXX, and a 60 day late on XX/XX/XXXX yet on equifax its reporting XX/XX/XXXX as a 60 day late and XX/XX/XXXX as a 120 day late, and XX/XX/XXXX as a 120 day late. This late payment is recorded from credit report pulled on XX/XX/XXXX XXXX and equifax. ( see attached credit reports to this complaint ) Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX these statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,","date_sent_to_company":"2024-05-15T22:05:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33141","tags":null,"has_narrative":true,"complaint_id":"9017835","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-15T22:05:57.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["On equifax its <em>reporting</em> a XXXX day <em>late</em> <em>payment</em> on XX/XX/XXXX and on XXXX a 60 day <em>late</em> <em>payment</em>, a 60 day <em>late</em> on XX/XX/XXXX on XXXX and a 60  day <em>late</em> <em>payment</em> on XX/XX/XXXX. equifax is <em>reporting</em> a 60 day <em>late</em> <em>payment</em> on XX/XX/XXXX and a 90 day <em>late</em> <em>payment</em> on XX/XX/XXXX, and a 90 day <em>late</em> <em>payment</em> on XX/XX/XXXX XXXX day <em>late</em> <em>payment</em> on XX/XX/XXXX, a 120 day <em>late</em> on XXXX, XX/XX/XXXX. on XX/XX/XXXX there is no <em>late</em> <em>payment</em> <em>reported</em> on the equifax <em>credit</em> <em>report</em>. on the XXXX <em>credit</em> <em>report</em> its <em>reporting</em>"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[8.201926,"9017835"]},{"_index":"complaint-public-v1","_id":"9017927","_score":8.187447,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. on Transunion its reporting a late payment of 30 days on XX/XX/XXXX and on XXXX it is reporting a late payment of 60 days on XX/XX/XXXX. On transunion its reporting a 30 day late payment on XX/XX/XXXX and on transunion a 60 day late payment, a 30 day late on XX/XX/XXXX on transunion and a 60 day late payment on XX/XX/XXXX. Transunion is reporting a 30 day late payment on XX/XX/XXXX and a 60 day late payment on XX/XX/XXXX, and a 60 day late payment on XX/XX/XXXX 90 day late payment on XX/XX/XXXX, a 120 day late on months XXXX, XX/XX/XXXX. on XXXX its reporting a late payment of 60 days on XX/XX/XXXX and on XXXX it is reporting a late payment of 60 days on XX/XX/XXXX. On XXXX its reporting a 60 day late payment on XX/XX/XXXX and on transunion a 60 day late payment, a 60 day late on XX/XX/XXXX on transunion and a 60 day late payment on XX/XX/XXXX. XXXX is reporting a 60 day late payment on XX/XX/XXXX and a 90 day late payment on XX/XX/XXXX, and a 90 day late payment on XX/XX/XXXX 120 day late payment on XX/XX/XXXX, a 120 day late on XXXX, XX/XX/XXXX. on XX/XX/XXXX there is no late payment reported on the XXXX credit report. on the Transunion credit report its reporting on time for the month of XXXX with no late but on XXXX its reporting as a 30 day late. on transunion its reporting XX/XX/XXXX as a 30 day late, and a 60 day late on XX/XX/XXXX, and a 60 day late on XX/XX/XXXX yet on equifax its reporting XX/XX/XXXX as a 60 day late and XX/XX/XXXX as a 120 day late, and XX/XX/XXXX as a 120 day late. This late payment is recorded from credit report pulled on XX/XX/XXXX transunion and XXXX. ( see attached credit reports to this complaint ) XXXX XXXX Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX these statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,","date_sent_to_company":"2024-05-15T22:05:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33141","tags":null,"has_narrative":true,"complaint_id":"9017927","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-15T21:37:03.000Z","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":["XXXX is <em>reporting</em> a 60 day <em>late</em> <em>payment</em> on XX/XX/XXXX and a 90 day <em>late</em> <em>payment</em> on XX/XX/XXXX, and a 90 day <em>late</em> <em>payment</em> on XX/XX/XXXX 120 day <em>late</em> <em>payment</em> on XX/XX/XXXX, a 120 day <em>late</em> on XXXX, XX/XX/XXXX. on XX/XX/XXXX there is no <em>late</em> <em>payment</em> <em>reported</em> on the XXXX <em>credit</em> <em>report</em>. on the Transunion <em>credit</em> <em>report</em> its <em>reporting</em> on time for the month of XXXX with no <em>late</em> but on XXXX its <em>reporting</em> as a 30 day <em>late</em>. on transunion its <em>reporting</em> XX/XX/XXXX as a 30 day <em>late</em>, and a 60 day <em>late</em> on XX/XX/XXXX"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[8.187447,"9017927"]},{"_index":"complaint-public-v1","_id":"5680841","_score":8.137895,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I pulled my Equifax credit report on XX/XX/XXXX and noticed that I had a repossession showing for XXXX XXXX XXXX account. This repossession date was shown asXX/XX/XXXX.I had 120 day late payments showing for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I pulled my credit report XX/XX/XXXX and noticed the repossession was gone. XX/XX/XXXX was now showing as 30 day late payment. XX/XX/XXXX was now a 30 day late payment, XX/XX/XXXX was now a 60 day late payment and XX/XX/XXXX was showing as a 120 late day payment. My credit report on XX/XX/XXXX shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. My credit report on XX/XX/XXXX shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. I pulled my credit report again on XX/XX/XXXX and it shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. I was sent a copy of my report as well on XX/XX/XXXX and noticed my payment history had changed again. It now showed XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. On XX/XX/XXXX, my report showed XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. I pulled my most recent report on XX/XX/XXXX and it shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. \n\nSomeone keeps changing my payment history from Equifax without my permission. I have been keeping a very detailed record and the payment history is definitely not accurate nor does it match any other credit bureau, 3rd party reporting agency or the creditor records themselves.","date_sent_to_company":"2022-06-17T20:25:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33570","tags":null,"has_narrative":true,"complaint_id":"5680841","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-06-17T19:53:33.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My <em>credit</em> <em>report</em> on XX/XX/XXXX shows XX/XX/XXXX as a 30 day <em>late</em> <em>payment</em>, XX/XX/XXXX as a 30 day <em>late</em> <em>payment</em>, XX/XX/XXXX as a 60 day <em>late</em> <em>payment</em> and XX/XX/XXXX as a 120 day <em>late</em> <em>payment</em>. I pulled my <em>credit</em> <em>report</em> again on XX/XX/XXXX and it shows XX/XX/XXXX as a 30 day <em>late</em> <em>payment</em>, XX/XX/XXXX as a 30 day <em>late</em> <em>payment</em>, XX/XX/XXXX as a 60 day <em>late</em> <em>payment</em> and XX/XX/XXXX as a 120 day <em>late</em> <em>payment</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[8.137895,"5680841"]},{"_index":"complaint-public-v1","_id":"5680851","_score":8.129637,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I pulled my Equifax credit report on XX/XX/XXXX and noticed that I had a repossession showing for XXXX XXXX XXXX account. This repossession date was shown as XXXX had 120 day late payments showing for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I pulled my credit report XX/XX/XXXX and noticed the repossession was gone. XX/XX/XXXX was now showing as 30 day late payment. XX/XX/XXXX was now a 30 day late payment, XX/XX/XXXX was now a 60 day late payment and XX/XX/XXXX was showing as a 120 late day payment. My credit report on XX/XX/XXXX shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. My credit report on XX/XX/XXXX shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. I pulled my credit report again on XX/XX/XXXX and it shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. I was sent a copy of my report as well on XX/XX/XXXX and noticed my payment history had changed again. It now showed XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. On XX/XX/XXXX, my report showed XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. I pulled my most recent report on XX/XX/XXXX and it shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. \n\nSomeone keeps changing my payment history from Equifax without my permission. I have been keeping a very detailed record and the payment history is definitely not accurate nor does it match any other credit bureau, 3rd party reporting agency or the creditor records themselves.","date_sent_to_company":"2022-06-17T20:25:51.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33570","tags":null,"has_narrative":true,"complaint_id":"5680851","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-06-17T20:25:46.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My <em>credit</em> <em>report</em> on XX/XX/XXXX shows XX/XX/XXXX as a 30 day <em>late</em> <em>payment</em>, XX/XX/XXXX as a 30 day <em>late</em> <em>payment</em>, XX/XX/XXXX as a 60 day <em>late</em> <em>payment</em> and XX/XX/XXXX as a 120 day <em>late</em> <em>payment</em>. I pulled my <em>credit</em> <em>report</em> again on XX/XX/XXXX and it shows XX/XX/XXXX as a 30 day <em>late</em> <em>payment</em>, XX/XX/XXXX as a 30 day <em>late</em> <em>payment</em>, XX/XX/XXXX as a 60 day <em>late</em> <em>payment</em> and XX/XX/XXXX as a 120 day <em>late</em> <em>payment</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[8.129637,"5680851"]},{"_index":"complaint-public-v1","_id":"5680850","_score":8.129637,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I pulled my Equifax credit report on XX/XX/XXXX and noticed that I had a repossession showing for XXXX XXXX XXXX account. This repossession date was shown as XXXX had 120 day late payments showing for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I pulled my credit report XX/XX/XXXX and noticed the repossession was gone. XX/XX/XXXX was now showing as 30 day late payment. XX/XX/XXXX was now a 30 day late payment, XX/XX/XXXX was now a 60 day late payment and XX/XX/XXXX was showing as a 120 late day payment. My credit report on XX/XX/XXXX shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. My credit report on XX/XX/XXXX shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. I pulled my credit report again on XX/XX/XXXX and it shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. I was sent a copy of my report as well on XX/XX/XXXX and noticed my payment history had changed again. It now showed XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. On XX/XX/XXXX, my report showed XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. I pulled my most recent report on XX/XX/XXXX and it shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. \n\nSomeone keeps changing my payment history from Equifax without my permission. I have been keeping a very detailed record and the payment history is definitely not accurate nor does it match any other credit bureau, 3rd party reporting agency or the creditor records themselves.","date_sent_to_company":"2022-06-17T20:25:51.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33570","tags":null,"has_narrative":true,"complaint_id":"5680850","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-06-17T20:25:46.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My <em>credit</em> <em>report</em> on XX/XX/XXXX shows XX/XX/XXXX as a 30 day <em>late</em> <em>payment</em>, XX/XX/XXXX as a 30 day <em>late</em> <em>payment</em>, XX/XX/XXXX as a 60 day <em>late</em> <em>payment</em> and XX/XX/XXXX as a 120 day <em>late</em> <em>payment</em>. I pulled my <em>credit</em> <em>report</em> again on XX/XX/XXXX and it shows XX/XX/XXXX as a 30 day <em>late</em> <em>payment</em>, XX/XX/XXXX as a 30 day <em>late</em> <em>payment</em>, XX/XX/XXXX as a 60 day <em>late</em> <em>payment</em> and XX/XX/XXXX as a 120 day <em>late</em> <em>payment</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[8.129637,"5680850"]},{"_index":"complaint-public-v1","_id":"6657329","_score":8.110558,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC1681 section 602 states I have the right for privacy.15 USC 1681section 604 ( A ) section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under and open and consumer plan as late for any purpose. \n\nCreditor : Capital One Reported Late Payment payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX Creditor : XXXX XXXX Reported Late Payment late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX Creditor : XXXX XXXX XXXX Reported Late Payment late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX 2022","date_sent_to_company":"2023-03-06T07:14:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90302","tags":null,"has_narrative":true,"complaint_id":"6657329","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-03-06T06:52:29.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Creditor : Capital One <em>Reported</em> <em>Late</em> <em>Payment</em> <em>payment</em> date XX/XX/XXXX <em>late</em> <em>payment</em> date XX/XX/XXXX <em>late</em> <em>payment</em> date XX/XX/XXXX <em>late</em> <em>payment</em> date XX/XX/XXXX <em>late</em> <em>payment</em> date XX/XX/XXXX <em>late</em> <em>payment</em> date XX/XX/XXXX Creditor : XXXX XXXX <em>Reported</em> <em>Late</em> <em>Payment</em> <em>late</em> <em>payment</em> date XX/XX/XXXX <em>late</em> <em>payment</em> date XX/XX/XXXX <em>late</em> <em>payment</em> date XX/XX/XXXX <em>late</em> <em>payment</em> date XX/XX/XXXX Creditor : XXXX XXXX XXXX <em>Reported</em> <em>Late</em> <em>Payment</em> <em>late</em> <em>payment</em> date XX/XX/XXXX <em>late</em> <em>payment</em> date XX/XX/XXXX <em>late</em> <em>payment</em> date XX/XX"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[8.110558,"6657329"]},{"_index":"complaint-public-v1","_id":"6654702","_score":8.099464,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC1681 section 602 states I have the right for privacy.15 USC 1681section 604 ( A ) section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under and open and consumer plan as late for any purpose. \n\nCreditor XXXX XXXX XXXX Reported Late Payment payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX Creditor : CB Indigo Reported Late Payment late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX Creditor : XXXX XXXX XXXX  Reported Late Payment late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX XXXX","date_sent_to_company":"2023-03-06T07:15:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90302","tags":null,"has_narrative":true,"complaint_id":"6654702","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CLGF Holdco 1, LLC","date_received":"2023-03-06T07:14:56.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Creditor XXXX XXXX XXXX <em>Reported</em> <em>Late</em> <em>Payment</em> <em>payment</em> date XX/XX/XXXX <em>late</em> <em>payment</em> date XX/XX/XXXX <em>late</em> <em>payment</em> date XX/XX/XXXX <em>late</em> <em>payment</em> date XX/XX/XXXX <em>late</em> <em>payment</em> date XX/XX/XXXX <em>late</em> <em>payment</em> date XX/XX/XXXX Creditor : CB Indigo <em>Reported</em> <em>Late</em> <em>Payment</em> <em>late</em> <em>payment</em> date XX/XX/XXXX <em>late</em> <em>payment</em> date XX/XX/XXXX <em>late</em> <em>payment</em> date XX/XX/XXXX <em>late</em> <em>payment</em> date XX/XX/XXXX Creditor : XXXX XXXX XXXX  <em>Reported</em> <em>Late</em> <em>Payment</em> <em>late</em> <em>payment</em> date XX/XX/XXXX <em>late</em> <em>payment</em> date XX/XX/XXXX <em>late</em> <em>payment</em> date XX"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[8.099464,"6654702"]},{"_index":"complaint-public-v1","_id":"7608841","_score":8.075499,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is what I sent Equifax : I am writing to formally dispute the accuracy of the information currently being reported on my credit report. I am a real person not a Bot or a credit repair agency. Specifically, I am contesting the late payment notation for XX/XX/2018, which is reported as \" 90 days late. '' I firmly believe that this information is inaccurate and should be deleted from my credit report. \nThe reason for my dispute is that there are no prior late payments of 30 days or 60 days preceding the alleged 90 days late payment in XX/XX/2018. It is important to emphasize that my payment history has consistently been in good standing, and this isolated 90 days late entry is an anomaly that does not accurately reflect my credit history. \nINACCURATE ITEMS IN DISPUTE : FED LOAN SERVICING ACCOUNT # DISPUTING : MISSING 30 DAY LATE PAYMENT AND 60 DAY LATE PAYMENT HISTORY ON EQUIFAX CREDIT REPORT DELETE this account for inaccuracy because this late payment on XX/XX/2018 says 90 days late is reporting inaccurate because there are no prior 30 day or 60 day late payments prior to this 90 day late payment. Please DELETE this inaccurate account. \n\n\nFED LOAN SERVICING ACCOUNT # DISPUTING : MISSING 30 DAY LATE PAYMENT AND 60 DAY LATE PAYMENT HISTORY ON EQUIFAX CREDIT REPORT DELETE this account for inaccuracy because this late payment on XX/XX/2018 says 90 days late is reporting inaccurate because there are no prior 30 day or 60 day late payments prior to this 90 day late payment. Please DELETE this inaccurate account. \n\n\nFED LOAN SERVICING ACCOUNT # DISPUTING : MISSING 30 DAY LATE PAYMENT AND 60 DAY LATE PAYMENT HISTORY ON EQUIFAX CREDIT REPORT DELETE this account for inaccuracy because this late payment on XX/XX/2018 says 90 days late is reporting inaccurate because there are no prior 30 day or 60 day late payments prior to this 90 day late payment. Please DELETE this inaccurate account. \n\n\nIn accordance with the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and verifiable information on my credit report. The presence of this inaccurate late payment notation negatively affects my creditworthiness and could have serious consequences for my financial well-being. Therefore, I kindly request that you investigate this matter thoroughly and promptly delete the erroneous late payment entry from my credit report. \nPlease conduct a comprehensive review of my credit report and take the necessary steps to correct this inaccuracy. I kindly request that you provide me with written confirmation of the resolution of this dispute, including the removal of the inaccurate information from my credit report, within the legally mandated time frame. I understand that you have a legal obligation to investigate and address disputes in a timely manner, and I appreciate your prompt attention to this matter. \n\n\nThank you for your prompt attention to this matter, and I look forward to a swift resolution. \n\nEnclosures : Official Equifax Credit Report ( Showing The Inaccuracy HIGHLIGHTED ) Current Florida Driver License BILL SHOWING MY CURRENT ADDRESS : U.S. DEPARTMENT OF EDUCATION","date_sent_to_company":"2023-09-26T20:56:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"328XX","tags":null,"has_narrative":true,"complaint_id":"7608841","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-09-26T20:30:50.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["FED LOAN SERVICING ACCOUNT # DISPUTING : MISSING 30 DAY <em>LATE</em> <em>PAYMENT</em> AND 60 DAY <em>LATE</em> <em>PAYMENT</em> HISTORY ON EQUIFAX <em>CREDIT</em> <em>REPORT</em> DELETE this account for inaccuracy because this <em>late</em> <em>payment</em> on XX/XX/2018 says 90 days <em>late</em> is <em>reporting</em> inaccurate because there are no prior 30 day or 60 day <em>late</em> <em>payments</em> prior to this 90 day <em>late</em> <em>payment</em>. Please DELETE this inaccurate account."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[8.075499,"7608841"]},{"_index":"complaint-public-v1","_id":"9331405","_score":8.061984,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX  showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, XXXX, Experian as late. \n\nXXXX XXXX XXXX XXXX XXXX  showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, XXXX, Experian as late. \n\nXXXX XXXX XXXX XXXX XXXX showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, XXXX, Experian as late. \n\nXXXX XXXX XXXX XXXX showed paid XX/XX/year> ; XXXX ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, XXXX, Experian as late. \n\nXXXX XXXX XXXX XXXX XXXX showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, XXXX, Experian as late. \n\nXXXX XXXX XXXX XXXX  XXXX showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, XXXX, Experian as late.","date_sent_to_company":"2024-06-25T23:55:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"920XX","tags":null,"has_narrative":true,"complaint_id":"9331405","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-06-25T23:55:04.000Z","state":"CA","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":["XXXX XXXX XXXX XXXX XXXX  showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately <em>reported</em> my <em>payment</em> as <em>late</em>, if you are not my lender you can not claim my <em>payment</em> as <em>late</em> and <em>report</em> it as <em>late</em> ). Remove it from <em>Credit</em> Bureau XXXX, XXXX, Experian as <em>late</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[8.061984,"9331405"]},{"_index":"complaint-public-v1","_id":"17642608","_score":8.057077,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this statement to explain in detail what happened regarding the late-payment information that is currently appearing on my credit reports. This dispute concerns late payment history only, and does not involve derogatory accounts such as collections or charge-offs. I am disputing these late payments because they are either inaccurate, incomplete, not properly validated, or not reported in compliance with federal accuracy standards as required by the Fair Credit Reporting Act ( FCRA ). \n\nI reviewed my full credit reports from the major credit bureaus and found several accounts showing 30-day, 60-day, and 90-day late payments that do not accurately reflect my payment history, my financial activity, or the circumstances surrounding the accounts. These alleged late payments have negatively impacted my credit standing, and a majority of them are incorrect or unsupported by any documentation.\n\nBecause these late-payment notations are either inaccurate or unverified, I am exercising my federal rights to dispute them and request a complete reinvestigation.\n\n1. Background : How I Identified These Late Payments When reviewing my credit reports, I came across several accounts displaying late payment entries. These included : Accounts showing 30-day late payments Accounts showing 60-day late payments Accounts showing 90-day late payments Upon closer review, many of these late-payment entries were inconsistent with my actual payment history. Some were listed during periods in which payments were made on time. Others were listed during periods where the creditor failed to process payments correctly or failed to communicate properly. In other cases, the entries appeared duplicate, misaligned with billing cycles, or incorrectly reported after disputes.\n\nAfter comparing these entries to my own records, bank statements, and payment confirmations, I realized that a significant portion of these late-payment reports were inaccurate or did not belong on my credit file.\n\n2. Issues Identified With the Late Payment Reporting A. Payments marked late that were actually paid on time Several listed late-payment notations do not match my own bank statements or payment confirmations. These payments were submitted before the due date but appear on my credit report as past due. This may have occurred due to processing delays, internal system errors, or creditor oversight. Regardless of the reason, the reporting is inaccurate.\n\nB. Automatic payments failed due to system errors In some cases, late payments were recorded during months in which the account was set up for automatic payments. When an auto-pay failure occurs due to the creditors processing systemnot the consumers negligenceFCRA rules require accurate reporting. If the creditors system failed, the late payment should not be reported against the consumer.\n\nC. Incorrect posting dates by creditors Sometimes payments were made during the billing cycle but posted to the next cycle due to creditor delays. When this occurs, the creditor may report a past-due status even though the payment was made within the grace period or before the cut-off time. Posting errors should not result in late-payment reporting.\n\nD. Inconsistent reporting between bureaus Some late-payment entries appear on one or two credit reports but not all three. This is an indication of reporting inconsistency. If a late payment is accurate, it must be reported consistently across all bureaus. Inconsistent reporting is a strong indicator of error or data mismatch.\n\nE. Older late payments that should no longer appear Certain late-payment notations appear beyond the allowable reporting period. The FCRA allows negative information to be reported for up to a certain number of years. If the late payment is older than the allowable period, it should not appear at all.\n\nF. Late-payment history not updated after disputes or corrections Some accounts show late payments even though previous disputes were filed and the creditor promised updates. These updates were never completed, leaving incorrect data active on my credit report.\n\nG. Accounts showing repeated late entries that dont match any billing schedule In certain cases, late-payment entries appear in months where no payment was due or appear multiple times within the same cycle. This is another sign of inaccurate reporting.\n\n3. My Attempts to Resolve and Verify These Late-Payment Entries I have taken several steps to correct the inaccurate late-payment history : A. I disputed the late-payment entries with the credit bureaus I filed formal disputes explaining which entries were inaccurate and why. I provided as much information as possible without sensitive personal details. I specifically requested that the bureaus : Investigate the legitimacy of the late-payment entries Contact the furnishers Obtain documentation verifying the entries Remove any information that can not be verified B. I contacted the creditors directly I reached out to the companies reporting the late payments and asked for : Payment records Detailed posting histories Copies of bills and statements System logs showing when payments were received or processed Clarification on misapplied payments Some creditors provided partial information, while others provided none at all.\n\nC. I reviewed my bank statements I verified when payments left my account and compared these dates with the creditors reported dates. In many cases, the payments were clearly made before the due date.\n\nD. I kept documentation of all correspondence I saved emails, dispute confirmations, letters, and payment receipts. I have documented all attempts to correct these errors.\n\nDespite my efforts, several late-payment entries remain inaccurate, unverified, or uncorrected, which is why I am submitting this complaint.\n\n4. These Late-Payment Entries Are Inaccurate and Must Be Corrected Under Federal Law The Fair Credit Reporting Act ( FCRA ) requires credit bureaus and furnishers to report only information that is : Accurate Complete Verifiable Fairly reported The late-payment information currently appearing on my credit reports does not meet these standards. FCRA requires that disputed information be deleted if : It can not be verified It is inaccurate It is incomplete A creditor can not produce documentation Many of the late-payment entries fall into one or more of these categories.\n\n5. The Impact of These Incorrect Late-Payment Entries These inaccurate late payments have caused significant harm, including : Lowering my credit score Affecting my ability to obtain credit Increasing interest rates on loans Damaging my financial reputation Causing emotional and financial XXXX  Late-payment history accounts for a major portion of credit scoring models. Because these entries are inaccurate or unverified, they are unfairly penalizing me.\n\n6. What I Am Requesting as a Fair Resolution I am asking for a full and complete reinvestigation of all late-payment entries on my credit reports. Specifically, I request : Removal of all inaccurate, unverified, or improperly reported late-payment entries Correction of posting errors Removal of any late-payment entries resulting from auto-pay failures not caused by me Removal of inconsistent reporting between bureaus Updated reporting to reflect accurate payment history Written confirmation that the corrected entries have been removed or updated If the furnishers can not produce documented proof showing that the late payments are accurate, then under FCRA, the entries must be deleted.\n\n7. Summary To summarize : My credit reports show several late-payment entries that do not accurately reflect my payment history I reviewed my own records and found multiple discrepancies I disputed these entries with the bureaus and creditors The creditors failed to provide complete or accurate documentation Many late-payment entries remain unverified These inaccurate entries continue to harm my credit I am requesting full correction and removal of all inaccurate late-payment data These late-payment entries are not accurate, not properly validated, and not fair. I request immediate reinvestigation and correction under federal law.","date_sent_to_company":"2025-12-03T01:52:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"71201","tags":null,"has_narrative":true,"complaint_id":"17642608","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-03T01:46:02.000Z","state":"LA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["These <em>Late</em>-<em>Payment</em> Entries Are Inaccurate and Must Be Corrected Under Federal Law The Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ) requires <em>credit</em> bureaus and furnishers to <em>report</em> only information that is : Accurate Complete Verifiable Fairly <em>reported</em> The <em>late</em>-<em>payment</em> information currently appearing on my <em>credit</em> <em>reports</em> does not meet these standards."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[8.057077,"17642608"]},{"_index":"complaint-public-v1","_id":"9331406","_score":8.050636,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, Equifax, XXXX as late. \n\nXXXX XXXX XXXX XXXX XXXX showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, Equifax, XXXX as late. \n\nXXXX XXXX XXXX XXXX XXXX  showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, Equifax, XXXX as late. \n\nXXXX XXXX XXXX XXXX showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, Equifax, XXXX as late. \n\nXXXX XXXX XXXX XXXX XXXX  showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, Equifax, XXXX as late. \n\nXXXX XXXX XXXX XXXX XXXX showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, Equifax, XXXX as late.","date_sent_to_company":"2024-06-25T23:55:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"920XX","tags":null,"has_narrative":true,"complaint_id":"9331406","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-06-25T23:55:04.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately <em>reported</em> my <em>payment</em> as <em>late</em>, if you are not my lender you can not claim my <em>payment</em> as <em>late</em> and <em>report</em> it as <em>late</em> ). Remove it from <em>Credit</em> Bureau XXXX, Equifax, XXXX as <em>late</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[8.050636,"9331406"]},{"_index":"complaint-public-v1","_id":"8015722","_score":8.049955,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally dispute and request the correction of inaccurate late payment information on my credit report. After careful review of my credit report, I have identified discrepancies related to the reporting of late payments. I am seeking your assistance in correcting this matter promptly. \nBelow are the details of the late payment information that requires attention : XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. \nXXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. \nXXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. \nI acknowledge that there was a late payment on the mentioned account, and I take full responsibility for the delay. However, I want to bring to your attention that the late payment has since been settled. I discovered the oversight promptly and made the payment as soon as I became aware of the delinquency. \nI understand the importance of accurate credit reporting, and I am kindly requesting your consideration to update the late payment status on my credit report. I am not disputing the fact that the payment was initially late, but I am requesting that the credit report reflect the resolution of the issue that is, the payment has been made and the account is now current.","date_sent_to_company":"2023-12-18T02:16:43.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"11219","tags":null,"has_narrative":true,"complaint_id":"8015722","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-18T02:04:38.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I am writing to formally dispute and request the correction of inaccurate <em>late</em> <em>payment</em> information on my <em>credit</em> <em>report</em>. After careful review of my <em>credit</em> <em>report</em>, I have identified discrepancies related to the <em>reporting</em> of <em>late</em> <em>payments</em>. I am seeking your assistance in correcting this matter promptly. \nBelow are the details of the <em>late</em> <em>payment</em> information that requires attention : XXXX XXXX  XXXX Those <em>payments</em> were made on time."]},"sort":[8.049955,"8015722"]},{"_index":"complaint-public-v1","_id":"17608769","_score":8.048892,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint because several late-payment entries appearing on my credit report are not accurate, not fully verified, and not properly reported, and I am requesting a full investigation into how these late payments were added to my file. I am disputing these late-payment entries because many of them do not match my actual payment behavior, some do not reflect payments I actually made, and others appear to have been reported in error or without proper validation. \n\nThese inaccurate late-payment entries involve the following companies : XXXX multiple XXXX, XXXX, and XXXX late payments XXXX XXXX XXXX XXXX  late payments listed on multiple accounts XXXX XXXX XXXX XXXX late payments listed on multiple accounts XXXX XXXX Bank late-payment history I do not recognize These accounts have significantly damaged my credit, and the reporting does not accurately reflect my real payment history, my communication attempts with these lenders, or the timing of my payments. I am asking the CFPB to review this situation because I have tried to resolve it directly with the credit bureaus, but the inaccurate late payments stayed on my report despite my disputes. \n\n1. XXXX Late Payments I Do Not Recognize or Agree With My credit report shows late payments on the XXXX account, including : 30 days late 2 times 60 days late 3 times 90 days late 6 times This reporting is not accurate. The dates of these alleged late payments do not match the payments I made. There were times when payments were posted incorrectly or delayed through their system, and there were months when I paid but their system did not process it on time. \n\nI was not properly notified that my payments were being marked late, and at no time did XXXX provide documentation showing the exact billing cycles, the dates my payments were posted, or how they calculated these delinquencies. Instead, these late payments appeared without transparent explanation. \n\nI dispute this reporting because : I made payments during several of these periods. \n\nThe company failed to send proper notices. \n\nThe reporting does not match my own payment records. \n\nSome payment postings were delayed through no fault of my own. \n\nThese late marks are inaccurate and have caused significant harm to my credit. \n\n2. XXXX  XXXX Late Payments Not Accurately Reported My report lists late payments for XXXX XXXX XXXX XXXX on multiple accounts, including : 30 days late 2 times I dispute these late-payment entries because I made payments during the time periods that XXXX  claims I was late. In several cases, my payments were made before the due date but did not post on time due to delays in processing. I also did not receive any notice stating my payment would be considered late or that there was an issue with my payments. \n\nXXXX XXXX never provided : A full list of exact due dates A payment ledger with posting times A breakdown of how they calculated the late payments Any written notice that the payment was marked late Without this information, I can not validate the accuracy of these late-payment notations. \n\nI have always attempted to communicate with Founders, and I have made every effort to pay on time. The reporting on my credit report does not reflect my real actions, and it unfairly penalizes me for what appears to be system delays or reporting errors. \n\n3. XXXX XXXX XXXX XXXX Incorrect Late-Payment Reporting XXXX XXXX XXXX XXXX is reporting the following late-payment history on two accounts : 30 days late 2 times 60 days late 1 time I dispute these reports because some of these alleged late payments occurred during a period when I made payments that did not post correctly, and XXXX XXXX failed to notify me about these supposed delinquencies. \n\nThere were several issues with XXXX XXXX system, including : Payments being credited late even though they were made on time System delays that caused posting errors No advance warning that payments were considered past due No opportunity to correct or resolve the delayed posting At no time did XXXX XXXX  provide : Documentation proving I was late Statements showing the exact posting date of each payment Evidence that they attempted to contact me about a missed payment In several cases, I attempted to make payments, but the processing did not complete properly. These circumstances should not be treated as valid late payments. \n\n4. XXXX XXXX Bank Late Payments I Do Not Agree With XXXX XXXX Bank shows the following : 30 days late 1 time This late payment is inaccurate. I paid this account and fulfilled my obligation, yet they reported a late payment without providing : A timeline of billing dates Payment posting records Evidence that a payment was missed Any communication notifying me of delinquency I dispute this late payment because it does not match my payment history and appears to have resulted from processing problems or reporting errors. \n\n5. These Late-Payment Reports Have Caused Significant Harm These inaccurate late-payment entries have : Lowered my credit score Affected my ability to qualify for lending Increased my cost of credit Damaged my creditworthiness Caused emotional stress and financial setbacks These negative entries do not accurately reflect my payment behavior, and the companies involved have not provided evidence to justify these delinquencies. \n\n6. I Requested Validation but Received No Proper Documentation Under the FCRA, I have the right to : Request verification Receive documentation Receive accurate reporting Have disputed information corrected I disputed these late-payment entries with the credit bureaus multiple times . However, the companies responded with automated verified results without providing : Proof of the actual due dates Proof of the posting dates Notices sent to me about late payments Copies of statements showing I was delinquent Because the companies did not provide actual evidence, the late-payment entries should not remain on my credit report. \n\n7. I Was Not Notified Before Late Payments Were Reported None of these companies provided : Alerts Emails Letters Phone calls Statements Official notices Indicating that a payment would be considered late or that my account was past due.\n\nUnder FCRA, furnishers are required to report accurately and provide consumers with meaningful opportunities to correct or dispute information before negative reporting occurs.\n\nI did not receive that opportunity.\n\n8. Payment Processing Delays Should Not Count as Late Payments In multiple cases : I made payments The companies did not post them on time The payment was processed late due to internal delays The company marked me late even though I paid during the appropriate time window Unfair payment posting practices should not result in negative credit reporting. \n\n9. Some Late Payments Occurred During Periods When I Attempted to Pay but Systems Failed There were occasions when : Online portals were down Automatic payments failed without notification Systems were undergoing maintenance Payment processing errors occurred These issues were out of my control.\n\nYet I was still marked late.\n\n10. I Am Requesting a Full Investigation Into All Late-Payment Accounts I am asking the CFPB to assist with a full investigation because : The late-payment entries are inaccurate Companies did not validate the information No statements or proof were provided Payment delays were often caused by system errors I was not notified properly The reporting does not match my records I have always made a sincere effort to maintain good payment behavior, and these late-payment reports do not reflect my true actions.\n\n11. My Requests Are Reasonable and Supported by My Rights Under FCRA I am not asking for anything unfair or unreasonable.\n\nI am simply requesting : Accurate reporting Validation of late-payment claims Removal of any inaccurate late-payment data Fair treatment under the FCRA The companies listed have not provided evidence that supports the late-payment history being reported.\n\n12. Summary To summarize what happened : Multiple companies reported late-payment entries that are inaccurate, not validated, or caused by internal system delays. \n\nXXXX shows repeated late-payment history that does not reflect my actual payments. \n\nXXXX  XXXX reported late payments without providing documentation or proper notice. \n\nXXXX XXXX reported late payments during periods where I made payments that were not posted correctly. \n\nXXXX XXXX Bank reported a late payment that does not match my payment history. \n\nI attempted to dispute these accounts, but the companies did not provide proper validation or documentation. \n\nThese late-payment entries have damaged my credit unfairly. \n\nI am asking for a full review of these inaccuracies and for the CFPB to help ensure these companies provide proper documentation or remove the incorrect late-payment entries.","date_sent_to_company":"2025-12-02T01:16:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"290XX","tags":null,"has_narrative":true,"complaint_id":"17608769","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-02T01:02:59.000Z","state":"SC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am asking the CFPB to review this situation because I have tried to resolve it directly with the <em>credit</em> bureaus, but the inaccurate <em>late</em> <em>payments</em> stayed on my <em>report</em> despite my disputes. \n\n1. XXXX <em>Late</em> <em>Payments</em> I Do Not Recognize or Agree With My <em>credit</em> <em>report</em> shows <em>late</em> <em>payments</em> on the XXXX account, including : 30 days <em>late</em> 2 times 60 days <em>late</em> 3 times 90 days <em>late</em> 6 times This <em>reporting</em> is not accurate. The dates of these alleged <em>late</em> <em>payments</em> do not match the <em>payments</em> I made."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[8.048892,"17608769"]},{"_index":"complaint-public-v1","_id":"17642550","_score":8.048671,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this statement to explain in detail what happened regarding the late-payment information that is currently appearing on my credit reports. This dispute concerns late payment history only, and does not involve derogatory accounts such as collections or charge-offs. I am disputing these late payments because they are either inaccurate, incomplete, not properly validated, or not reported in compliance with federal accuracy standards as required by the Fair Credit Reporting Act ( FCRA ). \n\nI reviewed my full credit reports from the major credit bureaus and found several accounts showing 30-day, 60-day, and 90-day late payments that do not accurately reflect my payment history, my financial activity, or the circumstances surrounding the accounts. These alleged late payments have negatively impacted my credit standing, and a majority of them are incorrect or unsupported by any documentation.\n\nBecause these late-payment notations are either inaccurate or unverified, I am exercising my federal rights to dispute them and request a complete reinvestigation.\n\n1. Background : How I Identified These Late Payments When reviewing my credit reports, I came across several accounts displaying late payment entries. These included : Accounts showing 30-day late payments Accounts showing 60-day late payments Accounts showing 90-day late payments Upon closer review, many of these late-payment entries were inconsistent with my actual payment history. Some were listed during periods in which payments were made on time. Others were listed during periods where the creditor failed to process payments correctly or failed to communicate properly. In other cases, the entries appeared duplicate, misaligned with billing cycles, or incorrectly reported after disputes.\n\nAfter comparing these entries to my own records, bank statements, and payment confirmations, I realized that a significant portion of these late-payment reports were inaccurate or did not belong on my credit file.\n\n2. Issues Identified With the Late Payment Reporting A. Payments marked late that were actually paid on time Several listed late-payment notations do not match my own bank statements or payment confirmations. These payments were submitted before the due date but appear on my credit report as past due. This may have occurred due to processing delays, internal system errors, or creditor oversight. Regardless of the reason, the reporting is inaccurate.\n\nB. Automatic payments failed due to system errors In some cases, late payments were recorded during months in which the account was set up for automatic payments. When an auto-pay failure occurs due to the creditors processing systemnot the consumers negligenceFCRA rules require accurate reporting. If the creditors system failed, the late payment should not be reported against the consumer.\n\nC. Incorrect posting dates by creditors Sometimes payments were made during the billing cycle but posted to the next cycle due to creditor delays. When this occurs, the creditor may report a past-due status even though the payment was made within the grace period or before the cut-off time. Posting errors should not result in late-payment reporting.\n\nD. Inconsistent reporting between bureaus Some late-payment entries appear on one or two credit reports but not all three. This is an indication of reporting inconsistency. If a late payment is accurate, it must be reported consistently across all bureaus. Inconsistent reporting is a strong indicator of error or data mismatch.\n\nE. Older late payments that should no longer appear Certain late-payment notations appear beyond the allowable reporting period. The FCRA allows negative information to be reported for up to a certain number of years. If the late payment is older than the allowable period, it should not appear at all.\n\nF. Late-payment history not updated after disputes or corrections Some accounts show late payments even though previous disputes were filed and the creditor promised updates. These updates were never completed, leaving incorrect data active on my credit report.\n\nG. Accounts showing repeated late entries that dont match any billing schedule In certain cases, late-payment entries appear in months where no payment was due or appear multiple times within the same cycle. This is another sign of inaccurate reporting.\n\n3. My Attempts to Resolve and Verify These Late-Payment Entries I have taken several steps to correct the inaccurate late-payment history : A. I disputed the late-payment entries with the credit bureaus I filed formal disputes explaining which entries were inaccurate and why. I provided as much information as possible without sensitive personal details. I specifically requested that the bureaus : Investigate the legitimacy of the late-payment entries Contact the furnishers Obtain documentation verifying the entries Remove any information that can not be verified B. I contacted the creditors directly I reached out to the companies reporting the late payments and asked for : Payment records Detailed posting histories Copies of bills and statements System logs showing when payments were received or processed Clarification on misapplied payments Some creditors provided partial information, while others provided none at all.\n\nC. I reviewed my bank statements I verified when payments left my account and compared these dates with the creditors reported dates. In many cases, the payments were clearly made before the due date.\n\nD. I kept documentation of all correspondence I saved emails, dispute confirmations, letters, and payment receipts. I have documented all attempts to correct these errors.\n\nDespite my efforts, several late-payment entries remain inaccurate, unverified, or uncorrected, which is why I am submitting this complaint.\n\n4. These Late-Payment Entries Are Inaccurate and Must Be Corrected Under Federal Law The Fair Credit Reporting Act ( FCRA ) requires credit bureaus and furnishers to report only information that is : Accurate Complete Verifiable Fairly reported The late-payment information currently appearing on my credit reports does not meet these standards. FCRA requires that disputed information be deleted if : It can not be verified It is inaccurate It is incomplete A creditor can not produce documentation Many of the late-payment entries fall into one or more of these categories.\n\n5. The Impact of These Incorrect Late-Payment Entries These inaccurate late payments have caused significant harm, including : Lowering my credit score Affecting my ability to obtain credit Increasing interest rates on loans Damaging my financial reputation Causing emotional and financial XXXX  Late-payment history accounts for a major portion of credit scoring models. Because these entries are inaccurate or unverified, they are unfairly penalizing me.\n\n6. What I Am Requesting as a Fair Resolution I am asking for a full and complete reinvestigation of all late-payment entries on my credit reports. Specifically, I request : Removal of all inaccurate, unverified, or improperly reported late-payment entries Correction of posting errors Removal of any late-payment entries resulting from auto-pay failures not caused by me Removal of inconsistent reporting between bureaus Updated reporting to reflect accurate payment history Written confirmation that the corrected entries have been removed or updated If the furnishers can not produce documented proof showing that the late payments are accurate, then under FCRA, the entries must be deleted.\n\n7. Summary To summarize : My credit reports show several late-payment entries that do not accurately reflect my payment history I reviewed my own records and found multiple discrepancies I disputed these entries with the bureaus and creditors The creditors failed to provide complete or accurate documentation Many late-payment entries remain unverified These inaccurate entries continue to harm my credit I am requesting full correction and removal of all inaccurate late-payment data These late-payment entries are not accurate, not properly validated, and not fair. I request immediate reinvestigation and correction under federal law.","date_sent_to_company":"2025-12-03T01:52:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"71201","tags":null,"has_narrative":true,"complaint_id":"17642550","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-03T01:52:31.000Z","state":"LA","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":["These <em>Late</em>-<em>Payment</em> Entries Are Inaccurate and Must Be Corrected Under Federal Law The Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ) requires <em>credit</em> bureaus and furnishers to <em>report</em> only information that is : Accurate Complete Verifiable Fairly <em>reported</em> The <em>late</em>-<em>payment</em> information currently appearing on my <em>credit</em> <em>reports</em> does not meet these standards."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[8.048671,"17642550"]},{"_index":"complaint-public-v1","_id":"17642536","_score":8.048671,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this statement to explain in detail what happened regarding the late-payment information that is currently appearing on my credit reports. This dispute concerns late payment history only, and does not involve derogatory accounts such as collections or charge-offs. I am disputing these late payments because they are either inaccurate, incomplete, not properly validated, or not reported in compliance with federal accuracy standards as required by the Fair Credit Reporting Act ( FCRA ). \n\nI reviewed my full credit reports from the major credit bureaus and found several accounts showing 30-day, 60-day, and 90-day late payments that do not accurately reflect my payment history, my financial activity, or the circumstances surrounding the accounts. These alleged late payments have negatively impacted my credit standing, and a majority of them are incorrect or unsupported by any documentation.\n\nBecause these late-payment notations are either inaccurate or unverified, I am exercising my federal rights to dispute them and request a complete reinvestigation.\n\n1. Background : How I Identified These Late Payments When reviewing my credit reports, I came across several accounts displaying late payment entries. These included : Accounts showing 30-day late payments Accounts showing 60-day late payments Accounts showing 90-day late payments Upon closer review, many of these late-payment entries were inconsistent with my actual payment history. Some were listed during periods in which payments were made on time. Others were listed during periods where the creditor failed to process payments correctly or failed to communicate properly. In other cases, the entries appeared duplicate, misaligned with billing cycles, or incorrectly reported after disputes.\n\nAfter comparing these entries to my own records, bank statements, and payment confirmations, I realized that a significant portion of these late-payment reports were inaccurate or did not belong on my credit file.\n\n2. Issues Identified With the Late Payment Reporting A. Payments marked late that were actually paid on time Several listed late-payment notations do not match my own bank statements or payment confirmations. These payments were submitted before the due date but appear on my credit report as past due. This may have occurred due to processing delays, internal system errors, or creditor oversight. Regardless of the reason, the reporting is inaccurate.\n\nB. Automatic payments failed due to system errors In some cases, late payments were recorded during months in which the account was set up for automatic payments. When an auto-pay failure occurs due to the creditors processing systemnot the consumers negligenceFCRA rules require accurate reporting. If the creditors system failed, the late payment should not be reported against the consumer.\n\nC. Incorrect posting dates by creditors Sometimes payments were made during the billing cycle but posted to the next cycle due to creditor delays. When this occurs, the creditor may report a past-due status even though the payment was made within the grace period or before the cut-off time. Posting errors should not result in late-payment reporting.\n\nD. Inconsistent reporting between bureaus Some late-payment entries appear on one or two credit reports but not all three. This is an indication of reporting inconsistency. If a late payment is accurate, it must be reported consistently across all bureaus. Inconsistent reporting is a strong indicator of error or data mismatch.\n\nE. Older late payments that should no longer appear Certain late-payment notations appear beyond the allowable reporting period. The FCRA allows negative information to be reported for up to a certain number of years. If the late payment is older than the allowable period, it should not appear at all.\n\nF. Late-payment history not updated after disputes or corrections Some accounts show late payments even though previous disputes were filed and the creditor promised updates. These updates were never completed, leaving incorrect data active on my credit report.\n\nG. Accounts showing repeated late entries that dont match any billing schedule In certain cases, late-payment entries appear in months where no payment was due or appear multiple times within the same cycle. This is another sign of inaccurate reporting.\n\n3. My Attempts to Resolve and Verify These Late-Payment Entries I have taken several steps to correct the inaccurate late-payment history : A. I disputed the late-payment entries with the credit bureaus I filed formal disputes explaining which entries were inaccurate and why. I provided as much information as possible without sensitive personal details. I specifically requested that the bureaus : Investigate the legitimacy of the late-payment entries Contact the furnishers Obtain documentation verifying the entries Remove any information that can not be verified B. I contacted the creditors directly I reached out to the companies reporting the late payments and asked for : Payment records Detailed posting histories Copies of bills and statements System logs showing when payments were received or processed Clarification on misapplied payments Some creditors provided partial information, while others provided none at all.\n\nC. I reviewed my bank statements I verified when payments left my account and compared these dates with the creditors reported dates. In many cases, the payments were clearly made before the due date.\n\nD. I kept documentation of all correspondence I saved emails, dispute confirmations, letters, and payment receipts. I have documented all attempts to correct these errors.\n\nDespite my efforts, several late-payment entries remain inaccurate, unverified, or uncorrected, which is why I am submitting this complaint.\n\n4. These Late-Payment Entries Are Inaccurate and Must Be Corrected Under Federal Law The Fair Credit Reporting Act ( FCRA ) requires credit bureaus and furnishers to report only information that is : Accurate Complete Verifiable Fairly reported The late-payment information currently appearing on my credit reports does not meet these standards. FCRA requires that disputed information be deleted if : It can not be verified It is inaccurate It is incomplete A creditor can not produce documentation Many of the late-payment entries fall into one or more of these categories.\n\n5. The Impact of These Incorrect Late-Payment Entries These inaccurate late payments have caused significant harm, including : Lowering my credit score Affecting my ability to obtain credit Increasing interest rates on loans Damaging my financial reputation Causing emotional and financial XXXX  Late-payment history accounts for a major portion of credit scoring models. Because these entries are inaccurate or unverified, they are unfairly penalizing me.\n\n6. What I Am Requesting as a Fair Resolution I am asking for a full and complete reinvestigation of all late-payment entries on my credit reports. Specifically, I request : Removal of all inaccurate, unverified, or improperly reported late-payment entries Correction of posting errors Removal of any late-payment entries resulting from auto-pay failures not caused by me Removal of inconsistent reporting between bureaus Updated reporting to reflect accurate payment history Written confirmation that the corrected entries have been removed or updated If the furnishers can not produce documented proof showing that the late payments are accurate, then under FCRA, the entries must be deleted.\n\n7. Summary To summarize : My credit reports show several late-payment entries that do not accurately reflect my payment history I reviewed my own records and found multiple discrepancies I disputed these entries with the bureaus and creditors The creditors failed to provide complete or accurate documentation Many late-payment entries remain unverified These inaccurate entries continue to harm my credit I am requesting full correction and removal of all inaccurate late-payment data These late-payment entries are not accurate, not properly validated, and not fair. I request immediate reinvestigation and correction under federal law.","date_sent_to_company":"2025-12-03T01:52:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"71201","tags":null,"has_narrative":true,"complaint_id":"17642536","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-03T01:52:31.000Z","state":"LA","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":["These <em>Late</em>-<em>Payment</em> Entries Are Inaccurate and Must Be Corrected Under Federal Law The Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ) requires <em>credit</em> bureaus and furnishers to <em>report</em> only information that is : Accurate Complete Verifiable Fairly <em>reported</em> The <em>late</em>-<em>payment</em> information currently appearing on my <em>credit</em> <em>reports</em> does not meet these standards."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[8.048671,"17642536"]},{"_index":"complaint-public-v1","_id":"17624615","_score":8.048427,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint because several late-payment entries appearing on my credit report are not accurate, not fully verified, and not properly reported, and I am requesting a full investigation into how these late payments were added to my file. I am disputing these late-payment entries because many of them do not match my actual payment behavior, some do not reflect payments I actually made, and others appear to have been reported in error or without proper validation. \n\nThese inaccurate late-payment entries involve the following companies : XXXX multiple XXXX, XXXX, and XXXX late payments XXXX XXXX XXXX XXXX  late payments listed on multiple accounts XXXX XXXX XXXX XXXX late payments listed on multiple accounts XXXX XXXX Bank late-payment history I do not recognize These accounts have significantly damaged my credit, and the reporting does not accurately reflect my real payment history, my communication attempts with these lenders, or the timing of my payments. I am asking the CFPB to review this situation because I have tried to resolve it directly with the credit bureaus, but the inaccurate late payments stayed on my report despite my disputes. \n\n1. XXXX Late Payments I Do Not Recognize or Agree With My credit report shows late payments on the XXXX account, including : 30 days late 2 times 60 days late 3 times 90 days late 6 times This reporting is not accurate. The dates of these alleged late payments do not match the payments I made. There were times when payments were posted incorrectly or delayed through their system, and there were months when I paid but their system did not process it on time. \n\nI was not properly notified that my payments were being marked late, and at no time did XXXX provide documentation showing the exact billing cycles, the dates my payments were posted, or how they calculated these delinquencies. Instead, these late payments appeared without transparent explanation. \n\nI dispute this reporting because : I made payments during several of these periods. \n\nThe company failed to send proper notices. \n\nThe reporting does not match my own payment records. \n\nSome payment postings were delayed through no fault of my own. \n\nThese late marks are inaccurate and have caused significant harm to my credit. \n\n2. XXXX  XXXX Late Payments Not Accurately Reported My report lists late payments for XXXX XXXX XXXX XXXX on multiple accounts, including : 30 days late 2 times I dispute these late-payment entries because I made payments during the time periods that XXXX  claims I was late. In several cases, my payments were made before the due date but did not post on time due to delays in processing. I also did not receive any notice stating my payment would be considered late or that there was an issue with my payments. \n\nXXXX XXXX never provided : A full list of exact due dates A payment ledger with posting times A breakdown of how they calculated the late payments Any written notice that the payment was marked late Without this information, I can not validate the accuracy of these late-payment notations. \n\nI have always attempted to communicate with Founders, and I have made every effort to pay on time. The reporting on my credit report does not reflect my real actions, and it unfairly penalizes me for what appears to be system delays or reporting errors. \n\n3. XXXX XXXX XXXX XXXX Incorrect Late-Payment Reporting XXXX XXXX XXXX XXXX is reporting the following late-payment history on two accounts : 30 days late 2 times 60 days late 1 time I dispute these reports because some of these alleged late payments occurred during a period when I made payments that did not post correctly, and XXXX XXXX failed to notify me about these supposed delinquencies. \n\nThere were several issues with XXXX XXXX system, including : Payments being credited late even though they were made on time System delays that caused posting errors No advance warning that payments were considered past due No opportunity to correct or resolve the delayed posting At no time did XXXX XXXX  provide : Documentation proving I was late Statements showing the exact posting date of each payment Evidence that they attempted to contact me about a missed payment In several cases, I attempted to make payments, but the processing did not complete properly. These circumstances should not be treated as valid late payments. \n\n4. XXXX XXXX Bank Late Payments I Do Not Agree With XXXX XXXX Bank shows the following : 30 days late 1 time This late payment is inaccurate. I paid this account and fulfilled my obligation, yet they reported a late payment without providing : A timeline of billing dates Payment posting records Evidence that a payment was missed Any communication notifying me of delinquency I dispute this late payment because it does not match my payment history and appears to have resulted from processing problems or reporting errors. \n\n5. These Late-Payment Reports Have Caused Significant Harm These inaccurate late-payment entries have : Lowered my credit score Affected my ability to qualify for lending Increased my cost of credit Damaged my creditworthiness Caused emotional stress and financial setbacks These negative entries do not accurately reflect my payment behavior, and the companies involved have not provided evidence to justify these delinquencies. \n\n6. I Requested Validation but Received No Proper Documentation Under the FCRA, I have the right to : Request verification Receive documentation Receive accurate reporting Have disputed information corrected I disputed these late-payment entries with the credit bureaus multiple times . However, the companies responded with automated verified results without providing : Proof of the actual due dates Proof of the posting dates Notices sent to me about late payments Copies of statements showing I was delinquent Because the companies did not provide actual evidence, the late-payment entries should not remain on my credit report. \n\n7. I Was Not Notified Before Late Payments Were Reported None of these companies provided : Alerts Emails Letters Phone calls Statements Official notices Indicating that a payment would be considered late or that my account was past due.\n\nUnder FCRA, furnishers are required to report accurately and provide consumers with meaningful opportunities to correct or dispute information before negative reporting occurs.\n\nI did not receive that opportunity.\n\n8. Payment Processing Delays Should Not Count as Late Payments In multiple cases : I made payments The companies did not post them on time The payment was processed late due to internal delays The company marked me late even though I paid during the appropriate time window Unfair payment posting practices should not result in negative credit reporting. \n\n9. Some Late Payments Occurred During Periods When I Attempted to Pay but Systems Failed There were occasions when : Online portals were down Automatic payments failed without notification Systems were undergoing maintenance Payment processing errors occurred These issues were out of my control.\n\nYet I was still marked late.\n\n10. I Am Requesting a Full Investigation Into All Late-Payment Accounts I am asking the CFPB to assist with a full investigation because : The late-payment entries are inaccurate Companies did not validate the information No statements or proof were provided Payment delays were often caused by system errors I was not notified properly The reporting does not match my records I have always made a sincere effort to maintain good payment behavior, and these late-payment reports do not reflect my true actions.\n\n11. My Requests Are Reasonable and Supported by My Rights Under FCRA I am not asking for anything unfair or unreasonable.\n\nI am simply requesting : Accurate reporting Validation of late-payment claims Removal of any inaccurate late-payment data Fair treatment under the FCRA The companies listed have not provided evidence that supports the late-payment history being reported.\n\n12. Summary To summarize what happened : Multiple companies reported late-payment entries that are inaccurate, not validated, or caused by internal system delays. \n\nXXXX shows repeated late-payment history that does not reflect my actual payments. \n\nXXXX  XXXX reported late payments without providing documentation or proper notice. \n\nXXXX XXXX reported late payments during periods where I made payments that were not posted correctly. \n\nXXXX XXXX Bank reported a late payment that does not match my payment history. \n\nI attempted to dispute these accounts, but the companies did not provide proper validation or documentation. \n\nThese late-payment entries have damaged my credit unfairly. \n\nI am asking for a full review of these inaccuracies and for the CFPB to help ensure these companies provide proper documentation or remove the incorrect late-payment entries.","date_sent_to_company":"2025-12-02T01:16:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"290XX","tags":null,"has_narrative":true,"complaint_id":"17624615","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-02T01:16:19.000Z","state":"SC","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":["I am asking the CFPB to review this situation because I have tried to resolve it directly with the <em>credit</em> bureaus, but the inaccurate <em>late</em> <em>payments</em> stayed on my <em>report</em> despite my disputes. \n\n1. XXXX <em>Late</em> <em>Payments</em> I Do Not Recognize or Agree With My <em>credit</em> <em>report</em> shows <em>late</em> <em>payments</em> on the XXXX account, including : 30 days <em>late</em> 2 times 60 days <em>late</em> 3 times 90 days <em>late</em> 6 times This <em>reporting</em> is not accurate. The dates of these alleged <em>late</em> <em>payments</em> do not match the <em>payments</em> I made."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[8.048427,"17624615"]},{"_index":"complaint-public-v1","_id":"8015690","_score":8.044246,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally dispute and request the correction of inaccurate late payment information on my credit report. After careful review of my credit report, I have identified discrepancies related to the reporting of late payments. I am seeking your assistance in correcting this matter promptly. \nBelow are the details of the late payment information that requires attention : CAPITAL ONE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. \nCAPITAL ONE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. \nI acknowledge that there was a late payment on the mentioned account, and I take full responsibility for the delay. However, I want to bring to your attention that the late payment has since been settled. I discovered the oversight promptly and made the payment as soon as I became aware of the delinquency. \nI understand the importance of accurate credit reporting, and I am kindly requesting your consideration to update the late payment status on my credit report. I am not disputing the fact that the payment was initially late, but I am requesting that the credit report reflect the resolution of the issue that is, the payment has been made and the account is now current.","date_sent_to_company":"2023-12-18T02:17:18.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"11219","tags":null,"has_narrative":true,"complaint_id":"8015690","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-12-18T02:06:37.000Z","state":"NY","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I am writing to formally dispute and request the correction of inaccurate <em>late</em> <em>payment</em> information on my <em>credit</em> <em>report</em>. After careful review of my <em>credit</em> <em>report</em>, I have identified discrepancies related to the <em>reporting</em> of <em>late</em> <em>payments</em>. I am seeking your assistance in correcting this matter promptly. \nBelow are the details of the <em>late</em> <em>payment</em> information that requires attention : CAPITAL ONE XXXX - Those <em>payments</em> were made on time."]},"sort":[8.044246,"8015690"]},{"_index":"complaint-public-v1","_id":"9331671","_score":8.041917,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX  XXXX XXXX XXXX showed paid XX/XX/2023 ; XXXX ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau Transunion, XXXX, XXXX as late. \n\nXXXX XXXX  XXXX XXXX XXXX showed paid XX/XX/2023 ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau Transunion, XXXX, XXXX as late. \n\nXXXX XXXX  XXXX XXXX XXXX showed paid XX/XX/2023 ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau Transunion, XXXX, XXXX as late. \n\nXXXXXXXX XXXX XXXXXXXX XXXX showed paid XX/XX/2023 ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau Transunion, XXXX, XXXX as late. \n\nXXXX XXXX  XXXX XXXX XXXX showed paid XX/XX/2023 ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau Transunion, XXXX, XXXX as late. \n\nXXXX XXXX  XXXX XXXX XXXX showed paid XX/XX/2023 ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau Transunion, XXXX, XXXX as late.","date_sent_to_company":"2024-06-25T23:54:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"920XX","tags":null,"has_narrative":true,"complaint_id":"9331671","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-25T23:37:11.000Z","state":"CA","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":["XXXX XXXX  XXXX XXXX XXXX showed paid XX/XX/2023 ; XXXX ( not my lender per their correspondence inaccurately <em>reported</em> my <em>payment</em> as <em>late</em>, if you are not my lender you can not claim my <em>payment</em> as <em>late</em> and <em>report</em> it as <em>late</em> ). Remove it from <em>Credit</em> Bureau Transunion, XXXX, XXXX as <em>late</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[8.041917,"9331671"]},{"_index":"complaint-public-v1","_id":"17636254","_score":8.040474,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint because several late-payment entries appearing on my credit report are not accurate, not fully verified, and not properly reported, and I am requesting a full investigation into how these late payments were added to my file. I am disputing these late-payment entries because many of them do not match my actual payment behavior, some do not reflect payments I actually made, and others appear to have been reported in error or without proper validation. \n\nThese inaccurate late-payment entries involve the following companies : XXXX multiple XXXX, XXXX, and XXXX late payments XXXX XXXX XXXX XXXX  late payments listed on multiple accounts XXXX XXXX XXXX XXXX late payments listed on multiple accounts XXXX XXXX Bank late-payment history I do not recognize These accounts have significantly damaged my credit, and the reporting does not accurately reflect my real payment history, my communication attempts with these lenders, or the timing of my payments. I am asking the CFPB to review this situation because I have tried to resolve it directly with the credit bureaus, but the inaccurate late payments stayed on my report despite my disputes. \n\n1. XXXX Late Payments I Do Not Recognize or Agree With My credit report shows late payments on the XXXX account, including : 30 days late 2 times 60 days late 3 times 90 days late 6 times This reporting is not accurate. The dates of these alleged late payments do not match the payments I made. There were times when payments were posted incorrectly or delayed through their system, and there were months when I paid but their system did not process it on time. \n\nI was not properly notified that my payments were being marked late, and at no time did XXXX provide documentation showing the exact billing cycles, the dates my payments were posted, or how they calculated these delinquencies. Instead, these late payments appeared without transparent explanation. \n\nI dispute this reporting because : I made payments during several of these periods. \n\nThe company failed to send proper notices. \n\nThe reporting does not match my own payment records. \n\nSome payment postings were delayed through no fault of my own. \n\nThese late marks are inaccurate and have caused significant harm to my credit. \n\n2. XXXX  XXXX Late Payments Not Accurately Reported My report lists late payments for XXXX XXXX XXXX XXXX on multiple accounts, including : 30 days late 2 times I dispute these late-payment entries because I made payments during the time periods that XXXX  claims I was late. In several cases, my payments were made before the due date but did not post on time due to delays in processing. I also did not receive any notice stating my payment would be considered late or that there was an issue with my payments. \n\nXXXX XXXX never provided : A full list of exact due dates A payment ledger with posting times A breakdown of how they calculated the late payments Any written notice that the payment was marked late Without this information, I can not validate the accuracy of these late-payment notations. \n\nI have always attempted to communicate with Founders, and I have made every effort to pay on time. The reporting on my credit report does not reflect my real actions, and it unfairly penalizes me for what appears to be system delays or reporting errors. \n\n3. XXXX XXXX XXXX XXXX Incorrect Late-Payment Reporting XXXX XXXX XXXX XXXX is reporting the following late-payment history on two accounts : 30 days late 2 times 60 days late 1 time I dispute these reports because some of these alleged late payments occurred during a period when I made payments that did not post correctly, and XXXX XXXX failed to notify me about these supposed delinquencies. \n\nThere were several issues with XXXX XXXX system, including : Payments being credited late even though they were made on time System delays that caused posting errors No advance warning that payments were considered past due No opportunity to correct or resolve the delayed posting At no time did XXXX XXXX  provide : Documentation proving I was late Statements showing the exact posting date of each payment Evidence that they attempted to contact me about a missed payment In several cases, I attempted to make payments, but the processing did not complete properly. These circumstances should not be treated as valid late payments. \n\n4. XXXX XXXX Bank Late Payments I Do Not Agree With XXXX XXXX Bank shows the following : 30 days late 1 time This late payment is inaccurate. I paid this account and fulfilled my obligation, yet they reported a late payment without providing : A timeline of billing dates Payment posting records Evidence that a payment was missed Any communication notifying me of delinquency I dispute this late payment because it does not match my payment history and appears to have resulted from processing problems or reporting errors. \n\n5. These Late-Payment Reports Have Caused Significant Harm These inaccurate late-payment entries have : Lowered my credit score Affected my ability to qualify for lending Increased my cost of credit Damaged my creditworthiness Caused emotional stress and financial setbacks These negative entries do not accurately reflect my payment behavior, and the companies involved have not provided evidence to justify these delinquencies. \n\n6. I Requested Validation but Received No Proper Documentation Under the FCRA, I have the right to : Request verification Receive documentation Receive accurate reporting Have disputed information corrected I disputed these late-payment entries with the credit bureaus multiple times . However, the companies responded with automated verified results without providing : Proof of the actual due dates Proof of the posting dates Notices sent to me about late payments Copies of statements showing I was delinquent Because the companies did not provide actual evidence, the late-payment entries should not remain on my credit report. \n\n7. I Was Not Notified Before Late Payments Were Reported None of these companies provided : Alerts Emails Letters Phone calls Statements Official notices Indicating that a payment would be considered late or that my account was past due.\n\nUnder FCRA, furnishers are required to report accurately and provide consumers with meaningful opportunities to correct or dispute information before negative reporting occurs.\n\nI did not receive that opportunity.\n\n8. Payment Processing Delays Should Not Count as Late Payments In multiple cases : I made payments The companies did not post them on time The payment was processed late due to internal delays The company marked me late even though I paid during the appropriate time window Unfair payment posting practices should not result in negative credit reporting. \n\n9. Some Late Payments Occurred During Periods When I Attempted to Pay but Systems Failed There were occasions when : Online portals were down Automatic payments failed without notification Systems were undergoing maintenance Payment processing errors occurred These issues were out of my control.\n\nYet I was still marked late.\n\n10. I Am Requesting a Full Investigation Into All Late-Payment Accounts I am asking the CFPB to assist with a full investigation because : The late-payment entries are inaccurate Companies did not validate the information No statements or proof were provided Payment delays were often caused by system errors I was not notified properly The reporting does not match my records I have always made a sincere effort to maintain good payment behavior, and these late-payment reports do not reflect my true actions.\n\n11. My Requests Are Reasonable and Supported by My Rights Under FCRA I am not asking for anything unfair or unreasonable.\n\nI am simply requesting : Accurate reporting Validation of late-payment claims Removal of any inaccurate late-payment data Fair treatment under the FCRA The companies listed have not provided evidence that supports the late-payment history being reported.\n\n12. Summary To summarize what happened : Multiple companies reported late-payment entries that are inaccurate, not validated, or caused by internal system delays. \n\nXXXX shows repeated late-payment history that does not reflect my actual payments. \n\nXXXX  XXXX reported late payments without providing documentation or proper notice. \n\nXXXX XXXX reported late payments during periods where I made payments that were not posted correctly. \n\nXXXX XXXX Bank reported a late payment that does not match my payment history. \n\nI attempted to dispute these accounts, but the companies did not provide proper validation or documentation. \n\nThese late-payment entries have damaged my credit unfairly. \n\nI am asking for a full review of these inaccuracies and for the CFPB to help ensure these companies provide proper documentation or remove the incorrect late-payment entries.","date_sent_to_company":"2025-12-02T01:16:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"290XX","tags":null,"has_narrative":true,"complaint_id":"17636254","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-02T01:16:19.000Z","state":"SC","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":["I am asking the CFPB to review this situation because I have tried to resolve it directly with the <em>credit</em> bureaus, but the inaccurate <em>late</em> <em>payments</em> stayed on my <em>report</em> despite my disputes. \n\n1. XXXX <em>Late</em> <em>Payments</em> I Do Not Recognize or Agree With My <em>credit</em> <em>report</em> shows <em>late</em> <em>payments</em> on the XXXX account, including : 30 days <em>late</em> 2 times 60 days <em>late</em> 3 times 90 days <em>late</em> 6 times This <em>reporting</em> is not accurate. The dates of these alleged <em>late</em> <em>payments</em> do not match the <em>payments</em> I made."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[8.040474,"17636254"]},{"_index":"complaint-public-v1","_id":"7597867","_score":8.036333,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX reported late payments on all 3 bureaus. \nXXXX XXXX reported late payments on all 3 bureaus. \nXXXX XXXX reported late payments on XXXX and XXXX. \nXXXXXXXX XXXX reported late payments on all 3 bureaus. \nXXXX reported late payments on all 3 bureaus. \nXXXX XXXX XXXX  reported late payments on all 3 bureaus. \nXXXX XXXX reported late payments on all 3 bureaus. \nDeptedXXXX reported late payments on all 3 bureaus. \n\nIn accordance with the fair credit reporting act this creditor violated my rights. Under 15USC1681 section 602 states I have the rights to privacy. 15USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666B a creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.","date_sent_to_company":"2023-09-24T19:47:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11223","tags":null,"has_narrative":true,"complaint_id":"7597867","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST PORTFOLIO SERVICING INC","date_received":"2023-09-24T19:47:48.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX <em>reported</em> <em>late</em> <em>payments</em> on all 3 bureaus. \nXXXX XXXX <em>reported</em> <em>late</em> <em>payments</em> on all 3 bureaus. \nXXXX XXXX <em>reported</em> <em>late</em> <em>payments</em> on XXXX and XXXX. \nXXXXXXXX XXXX <em>reported</em> <em>late</em> <em>payments</em> on all 3 bureaus. \nXXXX <em>reported</em> <em>late</em> <em>payments</em> on all 3 bureaus. \nXXXX XXXX XXXX  <em>reported</em> <em>late</em> <em>payments</em> on all 3 bureaus. \nXXXX XXXX <em>reported</em> <em>late</em> <em>payments</em> on all 3 bureaus. \nDeptedXXXX <em>reported</em> <em>late</em> <em>payments</em> on all 3 bureaus."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[8.036333,"7597867"]},{"_index":"complaint-public-v1","_id":"7597995","_score":8.035154,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX reported late payments on all 3 bureaus. \nXXXX XXXX reported late payments on all 3 bureaus. \nXXXX XXXX  reported late payments on XXXX and XXXX. \nXXXXXXXX XXXX reported late payments on all 3 bureaus. \nXXXX reported late payments on all 3 bureaus. \nXXXX XXXX XXXX reported late payments on all 3 bureaus. \nXXXX XXXX reported late payments on all 3 bureaus. \nDeptedXXXX reported late payments on all 3 bureaus. \n\nIn accordance with the fair credit reporting act this creditor violated my rights. Under 15USC1681 section 602 states I have the rights to privacy. 15USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666B a creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.","date_sent_to_company":"2023-09-24T19:47:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11223","tags":null,"has_narrative":true,"complaint_id":"7597995","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST PORTFOLIO SERVICING INC","date_received":"2023-09-24T19:10:51.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXXXXXX XXXX <em>reported</em> <em>late</em> <em>payments</em> on all 3 bureaus. \nXXXX XXXX <em>reported</em> <em>late</em> <em>payments</em> on all 3 bureaus. \nXXXX XXXX  <em>reported</em> <em>late</em> <em>payments</em> on XXXX and XXXX. \nXXXXXXXX XXXX <em>reported</em> <em>late</em> <em>payments</em> on all 3 bureaus. \nXXXX <em>reported</em> <em>late</em> <em>payments</em> on all 3 bureaus. \nXXXX XXXX XXXX <em>reported</em> <em>late</em> <em>payments</em> on all 3 bureaus. \nXXXX XXXX <em>reported</em> <em>late</em> <em>payments</em> on all 3 bureaus. \nDeptedXXXX <em>reported</em> <em>late</em> <em>payments</em> on all 3 bureaus."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[8.035154,"7597995"]},{"_index":"complaint-public-v1","_id":"5021234","_score":8.03442,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There are incorrect late payments showing on my credit reports from \" XXXX XXXXXXXX XXXX XXXXXXXX ''. The credit reporting agencies are showing a late payment in XX/XX/XXXX and a late payment in XX/XX/XXXX. When I log into my account through the company, they show a late payment in XX/XX/XXXX and a late payment in XX/XX/XXXX. 30 days had not yet passed and the company reported my account as being late to the credit reporting agencies. All of the information is inaccurate. According to my payment history showing on my account, my the late payments in question have been paid before on the same date that my payment is due. My due date for my payments are the 25th of each month. The XX/XX/XXXX \" late '' payment was made on XX/XX/XXXX. There was a payment of {$31.00} on XX/XX/XXXX to cover the payment due for XX/XX/XXXX. There was also a payment of {$62.00} made on XX/XX/XXXX to cover XXXX and XXXX payments of XXXX. As stated above, my payments are due on the XXXX of every month and the late payments in question were not 30 days late.","date_sent_to_company":"2021-12-17T13:15:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"17406","tags":"Servicemember","has_narrative":true,"complaint_id":"5021234","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-12-17T13:15:47.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["There are incorrect <em>late</em> <em>payments</em> showing on my <em>credit</em> <em>reports</em> from \" XXXX XXXXXXXX XXXX XXXXXXXX ''. The <em>credit</em> <em>reporting</em> agencies are showing a <em>late</em> <em>payment</em> in XX/XX/XXXX and a <em>late</em> <em>payment</em> in XX/XX/XXXX. When I log into my account through the company, they show a <em>late</em> <em>payment</em> in XX/XX/XXXX and a <em>late</em> <em>payment</em> in XX/XX/XXXX. 30 days had not yet passed and the company <em>reported</em> my account as being <em>late</em> to the <em>credit</em> <em>reporting</em> agencies. All of the information is inaccurate."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[8.03442,"5021234"]},{"_index":"complaint-public-v1","_id":"4137462","_score":8.020084,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Complaint against Experian Credit Bureau regarding XXXX XXXX account. I contacted XXXX to ask about late payments from XXXX XXXX XX/XX/XXXX. XXXX  reported that they did not report any late payments in the year XXXX due to account being closed XX/XX/XXXX. I had no late payments during the year of XXXX and have never been late with any payments to XXXX. XXXX rep said that they havent reported any late payments and that Experian must have reported those late payments in error. The late payments are effecting my credit score as well.","date_sent_to_company":"2021-02-13T08:21:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75071","tags":null,"has_narrative":true,"complaint_id":"4137462","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-02-13T02:51:04.000Z","state":"TX","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":["The <em>late</em> <em>payments</em> are effecting my <em>credit</em> score as well."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[8.020084,"4137462"]},{"_index":"complaint-public-v1","_id":"3675542","_score":8.018017,"_source":{"product":"Student loan","complaint_what_happened":"As I pulled all 3 credit reports from the XXXX  website, I noticed that Fedloan Servicing has inconsistent information about my late payments on all three credit reports. Late payments are reported to the credit bureaus that do not match up. I have 12 FedLoan Servicing accounts on all of my credit reports. It is reported to XXXX  that I have 9 late payments on every account. It is reported to XXXX  that I have 5 late payments on six accounts, 4 late payments three accounts and 3 late payments on three accounts. It is reported to XXXX  that I have 4 late payments on every account. The information should match if my student loans accounts are reported to all three bureaus. I have attached documents supporting my claim.","date_sent_to_company":"2020-05-30T14:42:19.000Z","issue":"Incorrect information on your report","sub_product":"Federal student loan servicing","zip_code":"48066","tags":null,"has_narrative":true,"complaint_id":"3675542","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2020-05-30T13:23:36.000Z","state":"MI","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["As I pulled all 3 <em>credit</em> <em>reports</em> from the XXXX  website, I noticed that Fedloan Servicing has inconsistent information about my <em>late</em> <em>payments</em> on all three <em>credit</em> <em>reports</em>. <em>Late</em> <em>payments</em> are <em>reported</em> to the <em>credit</em> bureaus that do not match up. I have 12 FedLoan Servicing accounts on all of my <em>credit</em> <em>reports</em>. It is <em>reported</em> to XXXX  that I have 9 <em>late</em> <em>payments</em> on every account."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[8.018017,"3675542"]},{"_index":"complaint-public-v1","_id":"14957440","_score":8.017408,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Credit card company reporting late payments. Payment plan was established & paid on time. Reflecting late payments on report resulting in credit score. Company reported late payment on XXXX, payment was complete, reported late payment in XXXX payment was complete. Unable to make any additional payments as account was on a payment plan, price was locked in for an agreed amount and due date. Balance reported is incorrect, card is at good standing","date_sent_to_company":"2025-07-29T11:03:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32811","tags":null,"has_narrative":true,"complaint_id":"14957440","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-07-29T10:55:26.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Credit</em> card company <em>reporting</em> <em>late</em> <em>payments</em>. <em>Payment</em> plan was established & paid on time. Reflecting <em>late</em> <em>payments</em> on <em>report</em> resulting in <em>credit</em> score. Company <em>reported</em> <em>late</em> <em>payment</em> on XXXX, <em>payment</em> was complete, <em>reported</em> <em>late</em> <em>payment</em> in XXXX <em>payment</em> was complete. Unable to make any additional <em>payments</em> as account was on a <em>payment</em> plan, price was locked in for an agreed amount and due date. Balance <em>reported</em> is incorrect, card is at good standing"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[8.017408,"14957440"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":304853,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":304853}]}},"product":{"doc_count":304853,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":188189,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":187788},{"key":"Other personal consumer report","doc_count":401}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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