{"took":141,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":127,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13026361","_score":27.126022,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing several accounts on my credit report due to inaccurate late payment reporting. These accounts are either in good standing or closed, but two missed payments are being reported, which I believe are incorrect. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX This account currently shows two missed payments, which I dispute as inaccurate. The account is now current and in good standing. I have maintained regular payments and request a full investigation into the late payment history. \nXXXX. XXXX  ( Credit Card Account ) This account is currently closed but shows two missed payments. I am requesting a review of the account history and removal of these late payments, as they do not accurately reflect my payment behavior prior to account closure. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX This account now has a zero balance. It is also showing two missed payments, which I believe are reported in error. I have since paid the balance in full and would like the late payments removed to reflect accurate and current information. \nXXXX. XXXX XXXX  XXXX Credit Card Account ) This account is closed but also reflects two missed payments. I dispute this information, as I was unaware of any delinquencies before the account closure. I request an investigation and deletion of these negative marks if they can not be verified. \n\nThese inaccurate entries are negatively affecting my credit profile. I am requesting that each of these items be investigated thoroughly and corrected or removed from my reports with TransUnion, Equifax, and Experian.","date_sent_to_company":"2025-04-16T16:14:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92551","tags":null,"has_narrative":true,"complaint_id":"13026361","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-04-16T16:14:30.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX  ( <em>Credit</em> Card Account ) This account is currently closed but shows two <em>missed</em> <em>payments</em>. I am requesting a review of the account history and removal of these <em>late</em> <em>payments</em>, as they do not accurately <em>reflect</em> my <em>payment</em> behavior prior to account closure. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX This account now has a <em>zero</em> balance. It is also showing two <em>missed</em> <em>payments</em>, which I believe are reported in error."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[27.126022,"13026361"]},{"_index":"complaint-public-v1","_id":"18969799","_score":23.149672,"_source":{"product":"Student loan","complaint_what_happened":"I am disputing inaccurate credit reporting by Aidvantage related to federally held student loans during periods of authorized deferment.\n\nMy student loans have been in approved deferment status and are currently reported as current with no 30-, 60-, or 90-day late payments. Despite this, Aidvantage has furnished payment history data to consumer reporting agencies that reflects reduced on-time payment percentages, unknown payment indicators, and inconsistent historical payment grids during periods when no payment was due.\n\nI have contacted Aidvantage multiple times over several years to request correction of this reporting. On XX/XX/year>, Aidvantage responded stating that the information reported was accurate, but did not explain how payment performance can be assessed during authorized deferment, nor did they address the contradictory reporting of zero late payments alongside reduced on-time payment metrics.\n\nAidvantage also indicated they would continue to report the disputed information with a notation stating that the dispute was resolved but the consumer disagrees.\n\nI am not disputing the existence of the loans or alleging missed payments. I am disputing the inaccurate and misleading manner in which payment history is reported during authorized deferment, which creates the false impression of delinquency and negatively impacts my credit profile.\n\nI am requesting correction of the credit reporting to accurately reflect authorized deferment with neutral reporting, or removal of the inaccurate payment history data if it can not be fully verified.","date_sent_to_company":"2026-01-23T22:54:14.000Z","issue":"Incorrect information on your report","sub_product":"Federal student loan servicing","zip_code":"838XX","tags":"Servicemember","has_narrative":true,"complaint_id":"18969799","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2026-01-23T22:37:36.000Z","state":"ID","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am disputing inaccurate <em>credit</em> reporting by Aidvantage related to federally held student loans during periods of authorized deferment.\n\nMy student loans <em>have</em> been in approved deferment status and are currently reported as current with no 30-, 60-, or 90-day <em>late</em> <em>payments</em>."]},"sort":[23.149672,"18969799"]},{"_index":"complaint-public-v1","_id":"18214795","_score":23.090794,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I made my first payment I believe in XXXX of XXXX  on this federal student loan. I was advised by the person ( XXXX ) on the phone that I was late on payments by a few months. I was unaware that I was supposed to start paying on my loan. I also told the call taker that I recalled receiving phone calls about a student loan debt but because of constant spam calls I had been receiving, I had believed previous calls were spam calls. The then provided my credit card info to the call taker. I reasonably believed this established automatic monthly payments. I was not aware that additional enrollment steps were required to set up auto payments. As a result of this payment understanding, payments were unintentionally missed. \n\nI was contacted by XXXX again in XX/XX/year> and was advised that I was months late on several payments. That is when I discovered that my payments were not on auto-pay ( like the rest of my bills ). explained this situation to XXXX but was advised that no changes could be made. \n\nIt is to be noted that when I bought my current house, my credit report was in excellent standing with zero negative reporting and a credit score of XXXX. I had zero issues in qualifying for a mortgage loan and with affordable interest rates prior to now.\n\nI attempted to have this issue resolved directly with XXXX but was advised that I would need to speak with XXXX. When I contact they, advised I would need to resolved this through XXXX. As you can see, this issue was not resolved due to conflicting information. \n\nThe resulting delinquency reporting does not reflect my intent to pay or the circumstances surrounding the missed payments. I believe the reporting is inaccurate given the lack of clear disclosure that auto pay was not established by making the initial online payment. \n\nThis inaccurate reporting is now materially impacting my ability to obtain a mortgage. I am requesting a review of a reporting for accuracy and correction as a appropriate.","date_sent_to_company":"2025-12-22T10:03:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77706","tags":null,"has_narrative":true,"complaint_id":"18214795","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-22T10:03:07.000Z","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":["I attempted to <em>have</em> this issue resolved directly with XXXX but was advised that I would need to speak with XXXX. When I contact they, advised I would need to resolved this through XXXX. As you can see, this issue was not resolved due to conflicting information. \n\nThe resulting delinquency reporting does not <em>reflect</em> my intent to pay or the circumstances surrounding the <em>missed</em> <em>payments</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[23.090794,"18214795"]},{"_index":"complaint-public-v1","_id":"18214797","_score":23.025309,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I made my first payment I believe in XXXX of XXXX  on this federal student loan. I was advised by the person ( XXXX ) on the phone that I was late on payments by a few months. I was unaware that I was supposed to start paying on my loan. I also told the call taker that I recalled receiving phone calls about a student loan debt but because of constant spam calls I had been receiving, I had believed previous calls were spam calls. The then provided my credit card info to the call taker. I reasonably believed this established automatic monthly payments. I was not aware that additional enrollment steps were required to set up auto payments. As a result of this payment understanding, payments were unintentionally missed. \n\nI was contacted by XXXX again in XX/XX/2025 and was advised that I was months late on several payments. That is when I discovered that my payments were not on auto-pay ( like the rest of my bills ). explained this situation to XXXX but was advised that no changes could be made. \n\nIt is to be noted that when I bought my current house, my credit report was in excellent standing with zero negative reporting and a credit score of XXXX. I had zero issues in qualifying for a mortgage loan and with affordable interest rates prior to now.\n\nI attempted to have this issue resolved directly with XXXX but was advised that I would need to speak with XXXX. When I contact they, advised I would need to resolved this through XXXX. As you can see, this issue was not resolved due to conflicting information. \n\nThe resulting delinquency reporting does not reflect my intent to pay or the circumstances surrounding the missed payments. I believe the reporting is inaccurate given the lack of clear disclosure that auto pay was not established by making the initial online payment. \n\nThis inaccurate reporting is now materially impacting my ability to obtain a mortgage. I am requesting a review of a reporting for accuracy and correction as a appropriate.","date_sent_to_company":"2025-12-22T10:03:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77706","tags":null,"has_narrative":true,"complaint_id":"18214797","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-22T10:03:07.000Z","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":["I attempted to <em>have</em> this issue resolved directly with XXXX but was advised that I would need to speak with XXXX. When I contact they, advised I would need to resolved this through XXXX. As you can see, this issue was not resolved due to conflicting information. \n\nThe resulting delinquency reporting does not <em>reflect</em> my intent to pay or the circumstances surrounding the <em>missed</em> <em>payments</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[23.025309,"18214797"]},{"_index":"complaint-public-v1","_id":"17283556","_score":21.748158,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Credit Bureau, I am writing to formally dispute inaccurate and negative information appearing on my credit report. Upon reviewing my credit report dated XX/XX/XXXX, I noticed late payment records that are incorrect and negatively impacting my credit standing. \n\nThe following accounts are in question : XXXX. XXXX XXXX Listed as Closed with XXXX missed payments XXXX. XXXX  Listed with XXXX missed payments I have maintained timely payments and/or resolved any temporary issues long ago. These late marks do not accurately reflect my payment history and should not appear as delinquencies. Please conduct a thorough investigation into these accounts. \n\nUnder the Fair Credit Reporting Act ( FCRA ), I request that you verify these entries with the creditors. If the creditors can not verify the accuracy or provide documentation proving these missed payments, please remove these negative marks from my credit report immediately. \n\nPlease send me a written confirmation of the results of your investigation. \n\nThank you for your prompt attention to this matter. \nAlso Formal Credit Dispute Inaccurate Auto Loan Reporting XXXX XXXX XXXX XXXX ) To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my credit report regarding an auto loan account reported by XXXX XXXX XXXX  in the amount of {$29000.00}. I was not provided with proper notice of the vehicle sale as required under UCC 9-611, and the reported balance is incorrect. Under the Fair Credit Reporting Act ( FCRA ) 611 and 623, I am requesting that you investigate this account and either delete it entirely or correct the reporting to reflect a zero balance or a paid/closed status. Please verify the accuracy of this information with XXXX XXXX XXXX. If the lender can not provide proof of proper sale notice and a valid remaining balance, I ask that the tradeline be deleted from my credit report immediately. Thank you for your prompt attention to this matter. Please send a written response to my address above once your investigation is complete. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX XXXX","date_sent_to_company":"2025-11-16T14:17:05.000Z","issue":"Written notification about debt","sub_product":"Auto debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"17283556","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-16T14:04:07.000Z","state":"NC","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Dear <em>Credit</em> Bureau, I am writing to formally dispute inaccurate and negative information appearing on my <em>credit</em> report. Upon reviewing my <em>credit</em> report dated XX/XX/XXXX, I noticed <em>late</em> <em>payment</em> records that are incorrect and negatively impacting my <em>credit</em> standing. \n\nThe following accounts are in question : XXXX. XXXX XXXX Listed as Closed with XXXX <em>missed</em> <em>payments</em> XXXX. XXXX  Listed with XXXX <em>missed</em> <em>payments</em> I <em>have</em> maintained timely <em>payments</em> and/or resolved any temporary issues long ago."]},"sort":[21.748158,"17283556"]},{"_index":"complaint-public-v1","_id":"4834487","_score":21.699099,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"on XX/XX/XXXX I submitted a payment of {$50.00} to Total Visa and it was removed from my bank account. I log in to pay my bill on XX/XX/XXXX and im notified that I need to call because my account is past due which is not correct Ive never had a late or missed payment with this company ever over the duration of having my account open for three years. So i give them a call and im notified that my payment was returned from XX/XX/XXXX and that my account is now closed and that I need to speak with my bank. I then call my bank and Im advised theres no record of this and that it did not happen, my statement reflects this as well there are no charge backs. So now my account with Total Visa is being closed and theyre charging me a late fee as well as the returned {$50.00} payment as well as the annual fees. Ive spoken to numerous people about this with zero resolution. I was advised I needed to send my bank statement through fax or mail but the fax line was busy for hours until I was finally able to get it to go through. Now, not only is an account Ive had open for three years being closed, Im being charged a late fee, the returned payment and the annual fee for the dates XXXX and my account is closed and a late payment will be reported to my credit file when none of this is correct.","date_sent_to_company":"2021-10-22T17:15:09.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"32746","tags":null,"has_narrative":true,"complaint_id":"4834487","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Total Card, Inc.","date_received":"2021-10-22T16:53:12.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["on XX/XX/XXXX I submitted a <em>payment</em> of {$50.00} to Total Visa and it was removed from my bank account. I log in to pay my bill on XX/XX/XXXX and im notified that I need to call because my account is past due which is not correct Ive never had a <em>late</em> or <em>missed</em> <em>payment</em> with this company ever over the duration of <em>having</em> my account open for three years."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[21.699099,"4834487"]},{"_index":"complaint-public-v1","_id":"18046253","_score":21.463749,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to report ongoing inaccurate, incomplete, and unverifiable information appearing on my credit report that has not been properly resolved despite prior disputes. These reporting issues remain active and continue to impact my credit file. Under the Fair Credit Reporting Act 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ), furnishers and consumer reporting agencies are required to ensure maximum possible accuracy and to conduct a reasonable reinvestigation when information is disputed. The accounts listed below remain inaccurate and have not been corrected as required by law. \nXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$7.00} Late Payment. This account is reporting late payments that are inaccurate and do not reflect my actual payment history. I have reviewed my records and I did not make late payments as reported. Reporting incorrect delinquency information violates FCRA accuracy requirements. I am not requesting deletion of this account. I am requesting correction of the payment history to accurately reflect on-time payments only and removal of any incorrect late payment notations following a full reinvestigation. \nXXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Late Payment. This account is showing late payments despite the account having a zero balance. The late payment history being reported is inaccurate and misleading. I did not miss payments as reported. Please conduct a reasonable reinvestigation and correct the payment history to reflect accurate and timely payments only. No deletion is requested, only correction of inaccurate information. \nXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Late Payment. This account continues to reflect late payments that are not accurate. I did not make late payments as reported, and the current reporting does not match my actual account history. Please reinvestigate and correct the payment history to reflect accurate information only. I am not requesting deletion of the account. \nXXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Late Payment. This account is reporting late payments that are not accurate. I maintained this account in good standing and did not miss payments as reported. Please conduct a reasonable reinvestigation and correct the inaccurate payment history in compliance with FCRA requirements. \nXXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Late Payment. The reported late payments on this account are incorrect. The payment history does not reflect my actual account activity. I am requesting correction of the inaccurate late payment reporting after proper verification. No deletion is requested. \nXXXX  XXXX Date Opened XX/XX/XXXX Balance Owed {$420.00} Collection. I have no knowledge of this account and do not recognize it as mine. I did not enter into any agreement with this company. This collection account is disputed as not belonging to me. Please conduct a full investigation and provide proper verification. If this account can not be verified as mine, it must be deleted or corrected accordingly under the FCRA. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Late Payment. This account is reporting late payments that are inaccurate. My payment history was maintained properly and the reported delinquency does not reflect my actual account performance. I am not requesting deletion of this account. I am requesting correction of the inaccurate late payment history following a reasonable reinvestigation. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Late Payment. The late payment status being reported is incorrect and misleading. I did not make late payments as reported. Continued reporting of inaccurate payment history violates FCRA accuracy standards. Please reinvestigate and correct the payment history to reflect accurate information only. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$16000.00} Charge Off. I have no knowledge of this account and do not recognize it as belonging to me. I did not authorize or agree to this account. This charge off is disputed in its entirety. Please conduct a full investigation and verify the accuracy and ownership of this account. If it can not be verified, it must be deleted or corrected as required by law. \nI am requesting that the CFPB review this matter and require the involved furnishers and consumer reporting agencies to comply with the Fair Credit Reporting Act by conducting proper investigations and correcting or removing all inaccurate and unverifiable information listed above. I am requesting written confirmation of the actions taken to resolve these reporting errors.","date_sent_to_company":"2025-12-15T18:03:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77566","tags":null,"has_narrative":true,"complaint_id":"18046253","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-15T18:01:39.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} <em>Late</em> <em>Payment</em>. This account is showing <em>late</em> <em>payments</em> despite the account <em>having</em> a <em>zero</em> balance. The <em>late</em> <em>payment</em> history being reported is inaccurate and misleading. I did not <em>miss</em> <em>payments</em> as reported. Please conduct a reasonable reinvestigation and correct the <em>payment</em> history to <em>reflect</em> accurate and timely <em>payments</em> only. No deletion is requested, only correction of inaccurate information."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[21.463749,"18046253"]},{"_index":"complaint-public-v1","_id":"2916016","_score":20.817295,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I had lost my Discover it card back in XX/XX/XXXX and had called Discover to replace it. I could not login into my account to check my payment status. I had called Discover customer service to resolve the issue, and they assured me I had automatic payment setup in XX/XX/XXXX, and also sent me out a new card. Later, when regaining access to my account I saw I had missed XX/XX/XXXX payment and immediately made it. I had called Discover and asked how come my payment was not taken out, and they said it reset itself after a new card was sent out. I was concerned about a 30 day late showing up on my credit reports, but they assured me I had the late payment forgiveness, and to check my credit reports and if it did show up to call them immediately and they would resolve it.\n\nThe 30 day late did show up all 3 credit bureau reports, and I had called Discover back to find out if they would honor their late payment forgiveness. They said the late payment forgiveness is only for late fees, and not for what they report to the credit bureaus. I felt this was misleading as nowhere when they advertised this product in XX/XX/XXXX when I had signed up about this being the case with the late payment forgiveness. I have an excellent record of zero late payments on my credit reports, and assured Discover this does not reflect my record of making on-time payments. I had requested a good will adjustment due to Discover advertising the late payment forgiveness, and in respect to the fact I have always had on-time payments hoping they would honor the request. Discover will not work with me in addressing the 30 day late on my 3 credit bureau reports, and that mistakes on their part regarding their representatives assuring me my auto payment was setup, and how they would resolve my issues with the reporting of the 30 day late to the credit bureaus were not their fault and is my responsibility.","date_sent_to_company":"2018-05-24T04:22:44.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"34609","tags":null,"has_narrative":true,"complaint_id":"2916016","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2018-05-24T00:19:58.000Z","state":"FL","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I felt this was misleading as nowhere when they advertised this product in XX/XX/XXXX when I had signed up about this being the case with the <em>late</em> <em>payment</em> forgiveness. I <em>have</em> an excellent record of <em>zero</em> <em>late</em> <em>payments</em> on my <em>credit</em> reports, and assured Discover this does not <em>reflect</em> my record of making on-time <em>payments</em>."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["Confusing or misleading advertising about the <em>credit</em> card"]},"sort":[20.817295,"2916016"]},{"_index":"complaint-public-v1","_id":"3771379","_score":20.44539,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Ive had a XXXX XXXX  XXXX  with USAA since XX/XX/XXXX. With an Exceptional payment history & zero late payments on credit report per XXXX. I will attach proof in uploaded documents. I had {$5000.00} credit limit which is reflected on my XX/XX/XXXX card statement. I will attach a copy. Then statement dated XX/XX/XXXX under Transactions shows payments & credits totaling {$4200.00} in an attempt to improve my credit score by improving my credit utilization ratio which makes up for 30 % of your credit score. Which I was previously unaware of. After receiving my payment reduced my credit limit to {$2600.00} therefore preventing me the opportunity & impact advantage those large payments would have made to my credit score. I called to dispute at that time & was brushed off & never received any follow up or explation. I want my credit limit restored to the original {$5000.00} so I can receive the positive impact to my credit score the payment was intended to do in the 1st place. Paying off your debt should never have a negative impact to your score. It is sending the wrong message to consumers. They wanted my balance to remain high so they can charge me more interest charges & thats just wrong on every level. Especially considering Ive never missed a payment ( per XXXX  XXXX which proves it is about interest charges.","date_sent_to_company":"2020-07-30T13:56:12.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"078XX","tags":null,"has_narrative":true,"complaint_id":"3771379","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2020-07-30T12:34:35.000Z","state":"NJ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["With an Exceptional <em>payment</em> history & <em>zero</em> <em>late</em> <em>payments</em> on <em>credit</em> report per XXXX. I will attach proof in uploaded documents. I had {$5000.00} <em>credit</em> limit which is <em>reflected</em> on my XX/XX/XXXX card statement. I will attach a copy. Then statement dated XX/XX/XXXX under Transactions shows <em>payments</em> & <em>credits</em> totaling {$4200.00} in an attempt to improve my <em>credit</em> score by improving my <em>credit</em> utilization ratio which makes up for 30 % of your <em>credit</em> score. Which I was previously unaware of."],"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"]},"sort":[20.44539,"3771379"]},{"_index":"complaint-public-v1","_id":"5254608","_score":20.346722,"_source":{"product":"Mortgage","complaint_what_happened":"In XXXX of XXXX, my credit score was negatively impacted because Freedom Mortgage reported that I was late on a mortgage payment. On XX/XX/XXXX, I received a letter from Freedom Mortgage stating my mortgage payment was late. I immediately called and was told that I hadnt submitted a payment for XX/XX/XXXX. I told them I submitted the payment, and they suggested I call my bank to find out what happened. I called my bank, they assured me the payment was received by Freedom Mortgage for XXXX. I called Freedom Mortgage back and was then informed they had mistakenly indicated that XXXX was the month for the missing payment ; they then stated that the missed payment was for XX/XX/XXXX, and that the payment was returned from my bank on the XXXX of XX/XX/XXXX. This is another error because I submitted the payment to Freedom, and again, I received a confirmation email from Freedom for both the XXXX payment and the XXXX payment. \nI have tried for months, to resolve this issue with Freedom Mortgage and have even provided proof of the One-Time Payment Confirmations I received from Freedom Mortgage, showing that I have submitted every payment on time. I spoke with several customer service representatives and supervisors who all stated there was nothing they could do to resolve this error. \nAfter several more attempts to get this issue resolved, including submitting a formal letter to Freedom Mortgage regarding the error, I finally received a call in XXXX of XXXX, from a XXXX XXXX XXXX for Freedom Mortgage. In this conversation, he informed me that my Freedom Mortgage payment file had been corrected to reflect a zero delinquency payment status for the life of the loan with Freedom Mortgage. I then, immediately requested documentation reflecting my files corrected status. The XXXX XXXX XXXX sent me the information via email, and I then requested that I be sent a letter officially stating the corrected status of my mortgage account. After sending three follow-up emails regarding this request, I have yet to hear back from him or anyone at Freedom Mortgage to provide official documentation that shows the error was resolved. However, because the XXXX XXXX indicated that the issue was resolved, I did recently file credit disputes with all three bureaus to have my file updated. The response from the credit bureaus resulted in my credit reports remaining unchanged. \nI have a copy of the email correspondence from the XXXX XXXX showing the zero delinquency. I also have each One-Time Payment Request confirmation, received from Freedom Mortgage going back to XX/XX/XXXX, including the payment confirmations for both XXXX and XXXX, which shows I have consistently paid in a timely manner since they bought my mortgage account from the previous lender. \nI can provide bank records for the entire year which prove that I have more than enough money to pay my mortgage on time, however it appears that the root cause of this issue is Freedom Mortgage automatic payment tool which has not worked since Freedom Mortgage took over my mortgage account, which necessitated the monthly One-Time payments online. \nAfter several months of calling Freedom Mortgage for assistance with resolving the automatic payment tool, I was finally informed that they dont provide direct assistance for the automatic payment tool. I was further informed that the only thing they could do was mail me instructions, but I have yet to receive any correspondence regarding the automatic payment tool. But more to the point, there must be an issue with their online payment tools because each month I received a confirmation for the submitted payment, yet weeks later I get a subsequent notification indicating that a payment is missing. \nFor the life of my mortgage, I have never been late or missed a payment. I am asking that this negative report by Freedom be removed from my credit file : XXXX : XXXX ( 30 days late ), XXXX : XXXX ( 30 days late ), and XXXX : XXXX ( 30 days late ). \nIf you review my entire credit file, you will see that I have impeccable payment history for all accounts and a XXXX credit score up until XX/XX/XXXX, months after Freedom Mortgage took over my mortgage account. I believe it is entirely reasonable to receive a goodwill deletion of this negative report based on the technical errors Ive been experiencing with Freedom Mortgage online payment tools and my continual attempts to rectify the situation.","date_sent_to_company":"2022-02-23T16:45:20.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"5254608","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2022-02-23T16:33:19.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["But more to the point, there must be an issue with their online <em>payment</em> tools because each month I received a confirmation for the submitted <em>payment</em>, yet weeks <em>later</em> I get a subsequent notification indicating that a <em>payment</em> is missing. \nFor the life of my mortgage, I <em>have</em> never been <em>late</em> or <em>missed</em> a <em>payment</em>. I am asking that this negative report by Freedom be removed from my <em>credit</em> file : XXXX : XXXX ( 30 days <em>late</em> ), XXXX : XXXX ( 30 days <em>late</em> ), and XXXX : XXXX ( 30 days <em>late</em> )."],"issue":["Trouble during <em>payment</em> process"]},"sort":[20.346722,"5254608"]},{"_index":"complaint-public-v1","_id":"3780437","_score":19.889587,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In XX/XX/XXXX, a XXXX leased by my brother, of which I am a co-signer, was towed because it was parked on a public street with an expired registration. The car was unable to be retrieved from the impound lot because the XXXX Offices were closed due to COVID pandemic and a new registration could not be obtained. In XX/XX/XXXX, XXXX retrieved the vehicle and my brother paid approximately {$2300.00} to take possession of the vehicle. XXXX reported this actions as a repossession to all three credit bureaus. My credit score dropped from XXXX to XXXX. \n\nXXXX incorrectly reported that the account had an overdue balance of {$1900.00}, and was closed. I disputed the delinquency with all three bureaus. XXXX corrected the issue, and my credit score as of XX/XX/XXXX was back over XXXX. Experian corrected the information but did not adjust my credit score. XXXX is still processing the dispute. \n\nI am here to formally complain about Experian. It is impossible to speak with a representative of the company. I have ZERO late or delinquent payments in my 17 year credit history. The current credit score given by Experian is significantly impacting my life. Experian should correct my score to reflect that the XXXX retrieval was no due to missed or delinquent payments, is currently open, and in good standing. There is an exceptional payment history on that account. \n\nXXXX has me over XXXX, Experian below XXXX. Obviously this is an error on the part of Experian and must be addressed.","date_sent_to_company":"2020-08-05T18:55:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"3780437","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-08-05T18:43:43.000Z","state":"NJ","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":["I <em>have</em> <em>ZERO</em> <em>late</em> or delinquent <em>payments</em> in my 17 year <em>credit</em> history. The current <em>credit</em> score given by Experian is significantly impacting my life. Experian should correct my score to <em>reflect</em> that the XXXX retrieval was no due to <em>missed</em> or delinquent <em>payments</em>, is currently open, and in good standing. There is an exceptional <em>payment</em> history on that account. \n\nXXXX has me over XXXX, Experian below XXXX. Obviously this is an error on the part of Experian and must be addressed."],"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"]},"sort":[19.889587,"3780437"]},{"_index":"complaint-public-v1","_id":"18226574","_score":19.887363,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding ongoing inaccurate credit reporting that has not been corrected despite prior disputes. The consumer reporting agencies and furnishers listed below continue to report inaccurate late payment histories and unauthorized credit inquiries. These errors remain on my credit reports and have caused ongoing harm. I have not yet submitted a complaint to the FTC.\n\nUnder the Fair Credit Reporting Act 15 U.S.C. 1681 ( a ) ( 1 ), 1681 ( b ), 1681i, 1681s-2 ( a ), and 1681s-2 ( b ), furnishers and consumer reporting agencies are required to ensure maximum possible accuracy and to conduct a reasonable reinvestigation when a consumer disputes information. Reporting unverified late payments and unauthorized inquiries violates these obligations. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment The late payment notation is inaccurate. This account was maintained in good standing and does not reflect any verified late activity. Reporting a late payment with a zero balance and no current delinquency constitutes inaccurate and misleading credit information under FCRA 1681e ( b ). Immediate correction of the payment history is required. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment This account shows a late payment despite being paid as agreed. No documentation has been provided to substantiate any late activity. Continued reporting without verification violates FCRA 1681i ( a ). The late payment history must be corrected. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment The reported late payment is inaccurate and unsupported. A paid account with no delinquent balance can not lawfully reflect unverifiable late activity. Correction of the payment history is required under FCRA accuracy standards. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$320.00} Issue : Late Payment The late payment reporting is incorrect. Payment history does not reflect any verified delinquency. Furnishers are required to report complete and accurate histories, not partial or misleading data. This late payment must be corrected. \nXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment A late payment is being reported on a zero-balance account without proper verification. This is inaccurate reporting and must be corrected immediately under FCRA 1681s-2 ( b ). \nXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} Issue : Late Payment The late payment history reported on this account is inaccurate. No verified documentation has been produced showing missed payments as reported. Failure to correct inaccurate payment history constitutes non-compliance with FCRA reinvestigation requirements. \nXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Issue : Late Payment This account is reporting late payments that are not accurate. Reporting unverified delinquency materially harms my credit profile and violates the obligation to ensure maximum possible accuracy. Correction is required. \nXXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment Late payment reporting on a zero-balance account is inaccurate and misleading. No valid evidence has been provided to support the reported delinquency. The payment history must be corrected to reflect accurate information. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Issue : Late Payment The late payment history reported on this account is inaccurate. My payment history does not support the reported delinquency. Continued reporting of unverified late activity violates FCRA accuracy and reinvestigation requirements. Correction of the payment history is required. \nXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$20000.00} Issue : Late Payment The reported late payment status is incorrect. This account was not delinquent as reported. Furnishers must report complete and accurate payment histories. Immediate correction of the late payment notation is required. \nXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$48000.00} Issue : Late Payment The late payment reporting on this account is inaccurate and unsupported by proper verification. Reporting incorrect delinquency materially misrepresents my credit history and must be corrected under FCRA 1681e ( b ). \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment A late payment is being reported on a zero-balance account. This information is inaccurate and misleading. No verified delinquency exists. The payment history must be corrected immediately. \nXXXX XXXX Date : XX/XX/XXXX Issue : Inquiry This inquiry was not authorized by me and no permissible purpose has been established under FCRA 1681b. The inquiry must be removed immediately. \nXXXX XXXX  Date : XX/XX/XXXX Issue : Inquiry This inquiry was not authorized. Continued reporting without a valid permissible purpose violates federal law. Deletion is required. \nXXXX XXXX Date : XX/XX/XXXX Issue : Inquiry I did not authorize this inquiry. No application or written consent exists. This inquiry must be removed. \nXXXX XXXX  Date : XX/XX/XXXX Issue : Inquiry This inquiry was placed without my authorization. It does not meet permissible purpose standards and must be deleted. \nXXXX XXXX  Date : XX/XX/XXXX Issue : Inquiry This inquiry is unauthorized and inaccurately reported. Removal is required under FCRA 1681b. \nXXXX Date : XX/XX/XXXX Issue : Inquiry This inquiry was not authorized by me. No permissible purpose exists. Deletion is required. \nXXXX XXXX  Date : XX/XX/XXXX Issue : Inquiry This inquiry was made without my consent. It must be removed immediately. \nI am requesting that the CFPB require the consumer reporting agencies and furnishers involved to correct inaccurate late payment histories and remove unauthorized inquiries that violate the Fair Credit Reporting Act. These inaccuracies remain despite prior disputes and have not been properly investigated. \nRequested Resolution : Correction of all inaccurate late payment histories listed above and deletion of all unauthorized inquiries.","date_sent_to_company":"2025-12-22T19:56:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77459","tags":null,"has_narrative":true,"complaint_id":"18226574","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-22T19:52:36.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I am submitting this complaint regarding ongoing inaccurate <em>credit</em> reporting that has not been corrected despite prior disputes. The consumer reporting agencies and furnishers listed below continue to report inaccurate <em>late</em> <em>payment</em> histories and unauthorized <em>credit</em> inquiries. These errors remain on my <em>credit</em> reports and <em>have</em> caused ongoing harm. I <em>have</em> not yet submitted a complaint to the FTC."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[19.887363,"18226574"]},{"_index":"complaint-public-v1","_id":"20775805","_score":19.65353,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I have a VW Credit auto lease account reporting as a charge-off on my credit report. Upon reviewing my credit report I discovered this account shows zero 30-day, 60-day, and 90-day late payments across its entire 49-month history, which is factually inconsistent with a charge-off status. A charge-off can not occur without a sequence of missed payments. \n\nI called VW Credit on XX/XX/XXXX and confirmed the account was charged off. However VW Credit also confirmed the account was paid in full through collection agency XXXX XXXX in XX/XX/XXXX with a {$0.00} balance. VW Credit acknowledged they can not change the charge-off notation despite the account being fully satisfied. \n\nI also discovered the account went to collections because VW Credit had an incorrect mailing address on file, meaning I never received any notices or communications about this account being in default. VW Credit acknowledged that when the mail was returned to them due to the incorrect address, they redirected statements to an online portal. However, I was unable to access my online portal during that time period, meaning I never received any notice of the default through any channel - mail or electronic. The charge-off occurred without my knowledge due to circumstances out of my control. \n\nThe {$110.00} balance that led to this charge-off was a residual end-of-lease charge assessed after the vehicle was returned -- not a missed regular payment. I had no reason to expect an outstanding balance after the vehicle was turned in, and because VW Credit had an incorrect mailing address on file and I was unable to access my online portal, I never received notice of this charge. This was not a case of missed payments or financial difficulty -- it was an unknown {$110.00} post-lease fee that went to collections entirely due to a communication failure on VW Credit 's part. I have been a repeat customer of VW Credit with multiple prior leases, all of which were paid on time and closed in good standing. This isolated incident does not reflect my payment history or character as a borrower. \n\nI have a paid-in-full letter from XXXX XXXX which I have a copy of. I have requested a settled-in-full letter from VW Credit which is being faxed to me. I have filed disputes with XXXX  and XXXX. This charge-off is the only negative item on my credit report and is materially impacting my mortgage application.","date_sent_to_company":"2026-03-30T17:02:43.000Z","issue":"Incorrect information on your report","sub_product":"Lease","zip_code":"920XX","tags":null,"has_narrative":true,"complaint_id":"20775805","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"VW Credit","date_received":"2026-03-30T16:29:49.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I <em>have</em> a VW <em>Credit</em> auto lease account reporting as a charge-off on my <em>credit</em> report. Upon reviewing my <em>credit</em> report I discovered this account shows <em>zero</em> 30-day, 60-day, and 90-day <em>late</em> <em>payments</em> across its entire 49-month history, which is factually inconsistent with a charge-off status. A charge-off can not occur without a sequence of <em>missed</em> <em>payments</em>. \n\nI called VW <em>Credit</em> on XX/XX/XXXX and confirmed the account was charged off."],"company":["VW <em>Credit</em>"]},"sort":[19.65353,"20775805"]},{"_index":"complaint-public-v1","_id":"4608916","_score":19.630854,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I purchased a couch from a local furniture store in XX/XX/XXXX. The terms were 5 yrs, no interest, min payment $ XXXX. My payment is due on the XXXX. I have made payments every month, exceeding the min payment amount wanting to pay it off as soon as possible. On statement XX/XX/XXXX I noticed a {$25.00} late fee. It is my fault I did not call at that time. On my statement for XX/XX/XXXX I have a {$38.00} late fee plus interest. I called Wednesday XX/XX/XXXX and was told because my payment for XXXX was received before the statement print date, it was applied as a second payment for XXXX. This made my payment made in XXXX and XXXX late! My payment was received on XX/XX/XXXX and the statement printed on XX/XX/XXXX. Furthermore, during the billing cycle of XXXX it posted a payment XX/XX/XXXX which negates the theory of payments received during billing cycles Printed on my monthly statement : Reminder : Your credit card account may not be paid ahead to avoid making payments in future billing periods. You may pay more than the Minimum Payment Due at any time. However, to avoid late fees and delinquency we must receive at least the Minimum Payment Due ( as reflected on each monthly statement ) on or before the Payment Due Date each billing period until your balance is zero. \nThis mentions *NOTHING* about receiving payments before the statement prints not counting as your monthly payment. I view this as a deceptive practice to gain income from late fees. \n\nWhen I called I was told nothing could be done. I asked for the late fees and interest to be waived and my payments corrected, as I made my payments on time. I get paid on the XXXX & XXXX. I had been making my payments with XXXX check and as of XXXX with XXXX. I asked for manager, and was again told nothing could be done even though he agreed I had not missed a payment. Waited for an escalation call back. I was told it would be 1-2 business days. It is now XX/XX/XXXX XXXX ( central ) and I have not received a call back","date_sent_to_company":"2021-08-06T19:33:45.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"61350","tags":null,"has_narrative":true,"complaint_id":"4608916","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-08-06T18:08:50.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["However, to avoid <em>late</em> fees and delinquency we must receive at least the Minimum <em>Payment</em> Due ( as <em>reflected</em> on each monthly statement ) on or before the <em>Payment</em> Due Date each billing period until your balance is <em>zero</em>. \nThis mentions *NOTHING* about receiving <em>payments</em> before the statement prints not counting as your monthly <em>payment</em>. I view this as a deceptive practice to gain income from <em>late</em> fees. \n\nWhen I called I was told nothing could be done."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["Store <em>credit</em> card"]},"sort":[19.630854,"4608916"]},{"_index":"complaint-public-v1","_id":"18226761","_score":19.597689,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding ongoing inaccurate credit reporting that has not been corrected despite prior disputes. The consumer reporting agencies and furnishers listed below continue to report inaccurate late payment histories and unauthorized credit inquiries. These errors remain on my credit reports and have caused ongoing harm. I have not yet submitted a complaint to the FTC.\n\nUnder the Fair Credit Reporting Act 15 U.S.C. 1681 ( a ) ( 1 ), 1681 ( b ), 1681i, 1681s-2 ( a ), and 1681s-2 ( b ), furnishers and consumer reporting agencies are required to ensure maximum possible accuracy and to conduct a reasonable reinvestigation when a consumer disputes information. Reporting unverified late payments and unauthorized inquiries violates these obligations. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment The late payment notation is inaccurate. This account was maintained in good standing and does not reflect any verified late activity. Reporting a late payment with a XXXX balance and no current delinquency constitutes inaccurate and misleading credit information under FCRA 1681e ( b ). Immediate correction of the payment history is required. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment This account shows a late payment despite being paid as agreed. No documentation has been provided to substantiate any late activity. Continued reporting without verification violates FCRA 1681i ( a ). The late payment history must be corrected. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment The reported late payment is inaccurate and unsupported. A paid account with no delinquent balance can not lawfully reflect unverifiable late activity. Correction of the payment history is required under FCRA accuracy standards. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$320.00} Issue : Late Payment The late payment reporting is incorrect. Payment history does not reflect any verified delinquency. Furnishers are required to report complete and accurate histories, not partial or misleading data. This late payment must be corrected. \nXXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment A late payment is being reported on a zero-balance account without proper verification. This is inaccurate reporting and must be corrected immediately under FCRA 1681s-2 ( b ). \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} Issue : Late Payment The late payment history reported on this account is inaccurate. No verified documentation has been produced showing missed payments as reported. Failure to correct inaccurate payment history constitutes non-compliance with FCRA reinvestigation requirements. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Issue : Late Payment This account is reporting late payments that are not accurate. Reporting unverified delinquency materially harms my credit profile and violates the obligation to ensure maximum possible accuracy. Correction is required. \nXXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment Late payment reporting on a zero-balance account is inaccurate and misleading. No valid evidence has been provided to support the reported delinquency. The payment history must be corrected to reflect accurate information. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Issue : Late Payment The late payment history reported on this account is inaccurate. My payment history does not support the reported delinquency. Continued reporting of unverified late activity violates FCRA accuracy and reinvestigation requirements. Correction of the payment history is required. \nXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$20000.00} Issue : Late Payment The reported late payment status is incorrect. This account was not delinquent as reported. Furnishers must report complete and accurate payment histories. Immediate correction of the late payment notation is required. \nXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$48000.00} Issue : Late Payment The late payment reporting on this account is inaccurate and unsupported by proper verification. Reporting incorrect delinquency materially misrepresents my credit history and must be corrected under FCRA 1681e ( b ). \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment A late payment is being reported on a zero-balance account. This information is inaccurate and misleading. No verified delinquency exists. The payment history must be corrected immediately. \nXXXX  Date : XX/XX/XXXX Issue : Inquiry This inquiry was not authorized. Continued reporting violates permissible purpose requirements. \nXXXX  Date : XX/XX/XXXX Issue : Inquiry This inquiry is duplicative and unauthorized. Removal is required. \nXXXX XXXX Date : XX/XX/XXXX Issue : Inquiry I did not authorize this inquiry. It must be deleted for lack of permissible purpose. \nXXXX Date : XX/XX/XXXX Issue : Inquiry This inquiry was not authorized and must be removed immediately. \nI am requesting that the CFPB require the consumer reporting agencies and furnishers involved to correct inaccurate late payment histories and remove unauthorized inquiries that violate the Fair Credit Reporting Act. These inaccuracies remain despite prior disputes and have not been properly investigated. \nRequested Resolution : Correction of all inaccurate late payment histories listed above and deletion of all unauthorized inquiries.","date_sent_to_company":"2025-12-22T20:01:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77459","tags":null,"has_narrative":true,"complaint_id":"18226761","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-22T19:59:08.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I am submitting this complaint regarding ongoing inaccurate <em>credit</em> reporting that has not been corrected despite prior disputes. The consumer reporting agencies and furnishers listed below continue to report inaccurate <em>late</em> <em>payment</em> histories and unauthorized <em>credit</em> inquiries. These errors remain on my <em>credit</em> reports and <em>have</em> caused ongoing harm. I <em>have</em> not yet submitted a complaint to the FTC."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[19.597689,"18226761"]},{"_index":"complaint-public-v1","_id":"3645644","_score":19.37687,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have had nothing but issues with BBT since Day 1 and they continue to offer zero assistance in resolving this matter. On two separate occasions, I was taken through a process via phone to setup auto-pay since BBTs Mobile & Web App literally offered me no way of being able to set my payments up on auto-pay. However, BOTH TIMES that I was told that auto-pay was setup, they never actually followed through on properly setting up auto-pay, in spite of confirming this with them verbally more than once on both calls! Therefore, when this first happened, I called into Executive Support because I have NEVER had a late payment reported on my credit - literally never one late payment, so I requested that they remove the late payment being reported due to this stemming from a BANK ERROR. BBT agreed to remove the 30 day late payment and I was TOLD that this was submitted to the credit bureaus. Lo & behold, that first 30 day late payment is STILL BEING  REPORTED. \n\nADDITIONALLY, I now have a SECOND 30 day late payment being reported for the SAME EXACT REASON, in addition to BBT never properly applying a several hundred dollar retroactive credit for misapplied cash advance interest charges. Not only was I again supposed to be setup on auto-pay ( had to fill out an archaic hand written form and snail mail it back to them - all to just setup auto-pay ), but I should have never had a balance to pay for 2-3 months during that timeframe based on the promised account credit from the erroneous interest charge, which I was told had already been approved, as BBT clearly coded 2 of my card charges incorrectly, as I never took a cash advance. As of today ( XX/XX/2020 ), my account STILL reflects the incorrect interest charges AND I was reported as being 30 days past due AGAIN through no fault of my own. Once I was made aware that BBT had DROPPED THE BALL ONCE AGAIN, I immediately made a payment for the past due balance and 2 additional months in advance since I still wasnt setup on auto-pay. ( Please reference the attached screenshot of my XXXX Personal Checking account reflecting the payment that was immediately made after being made aware of what they failed to again. ) Further, not to sound pretentious, but per the attached screenshot, you can clearly see that my daily average balance was $ XXXX- $ XXXX. What sense does it make that I would deliberately sabotage my credit that I have worked my XXXX off for over a nominal payment of roughly {$140.00} - or ANY amount for that matter! BB & T has the most ridiculously poor customer service that I have ever had the displeasure of being subjected to. To go one step further, I have a $ XXXX auto loan with Truist ( formerly SunTrust/BBT ) that I pay $ XXXX/month on and have never missed a payment out of the 23 months that Ive had my car. My mortgage payment is $ XXXX/month - that has never been late, as well. My husband & I bring home over $ 350k annually - we have ZERO REASON to not make a payment on any of our accounts!! I will seriously hire an attorney if this isnt resolved within 2-4 weeks max &  resolved means removing the two ( 2 ) ridiculously inaccurate 30 day late payments. We are also requesting that our entire BBT card balance be waived due to the amount of time this has wasted for me and the amount of unnecessary stress that BBT has inflicted upon me & my family.","date_sent_to_company":"2020-05-10T06:05:11.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"75077","tags":null,"has_narrative":true,"complaint_id":"3645644","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2020-05-10T05:25:20.000Z","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":["Therefore, when this first happened, I called into Executive Support because I <em>have</em> NEVER had a <em>late</em> <em>payment</em> reported on my <em>credit</em> - literally never one <em>late</em> <em>payment</em>, so I requested that they remove the <em>late</em> <em>payment</em> being reported due to this stemming from a BANK ERROR. BBT agreed to remove the 30 day <em>late</em> <em>payment</em> and I was TOLD that this was submitted to the <em>credit</em> bureaus. Lo & behold, that first 30 day <em>late</em> <em>payment</em> is STILL BEING  REPORTED."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[19.37687,"3645644"]},{"_index":"complaint-public-v1","_id":"6686285","_score":19.328665,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I opened a store credit card with Rooms to Go by Synchrony Bank. In XXXX with zero percent interest for 4 or 5 years. I paid the minimum payments according to my pay period which resulted in late fees being assessed to the account. These late fees were put in a seperate interest of 29.99 %. Even though the account was being paid down Synchrony routinely lowered my credit limit to adversely affect my credit so it would appear as though I was not paying down the credit card though I was. In XX/XX/XXXX I believe, ONE of my payments was returned by my bank resulting in me missing a payment. Synchrony immediately closed the account, giving me no access to the credit limit and it was removed as an account on my credit report. However, Synchrony has continued to assess my account late fees like it is still an active account. When I questioned Synchrony as to why I am being billed late fees on a closed account they essentially said that they are still sending me a billing statement and I have the choice to pay the balance in full. This should not be legal. They chose to close the account to adversely affect my credit, yet are continuing to bill and assess my account fees as though it is still open to their benefit. This should be illegal and not permitted. I am aware that I am still responsible for the balance, which is why I continued paying it. On one hand they continue to send billing statements, the balances accrue interest and I'm assess late fees when the payments aren't received by the \" due date ''. Yet on my credit this account is closed and reflects adversely due to Synchrony reporting the 1 missed payment. How can an account be closed yet they are generating a billing statement for a none existent billing cycle/period and non due date? I need this company to be held accountable. They can not adversely affect my credit by reporting this account late by 30 days, then closing the account. Then afterwards for them to continue to bill and charge my account fees as they were when it was open. Completely insane and unconscionable.","date_sent_to_company":"2023-03-13T17:52:47.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"33314","tags":"Servicemember","has_narrative":true,"complaint_id":"6686285","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-03-13T16:40:39.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["On one hand they continue to send billing statements, the balances accrue interest and I'm assess <em>late</em> fees when the <em>payments</em> aren't received by the \" due date ''. Yet on my <em>credit</em> this account is closed and <em>reflects</em> adversely due to Synchrony reporting the 1 <em>missed</em> <em>payment</em>. How can an account be closed yet they are generating a billing statement for a none existent billing cycle/period and non due date? I need this company to be held accountable."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["Store <em>credit</em> card"]},"sort":[19.328665,"6686285"]},{"_index":"complaint-public-v1","_id":"13473678","_score":19.312935,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Experian Credit Bureau for an unjustified and unexplained reduction of my credit score by 51 points in a single day, without any valid reason or notification.\n\nMy credit utilization is currently under 10 %. After my monthly payments were posted, Experian listed a remaining balance of just {$160.00} out of a total credit limit of {$6800.00}. However, in reality, all of my accounts are fully paid down to zero, with no missed or late payments. There is absolutely no reasonbased on any account activityfor such a significant credit score drop.\n\nI have reviewed all my reports, and no derogatory marks, delinquencies, or new inquiries exist. The only explanation is a miscalculation or internal scoring error on Experians part. This action directly penalizes me for responsible financial behavior, which is both unreasonable and damaging.\n\nExperian provides no option on their platform to dispute or challenge a credit score drop. Their dispute system only allows challenges against lender-reported datanot Experians own scoring decisions. As a result, I am unable to submit any supporting documents or contextual information. This constitutes a violation of my rights as a consumer under the Fair Credit Reporting Act.\n\nI request that the CFPB immediately investigate Experians actions, demand transparency in their scoring algorithm, and ensure my credit score is promptly restored to reflect my actual credit behavior.","date_sent_to_company":"2025-05-12T22:02:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"98008","tags":null,"has_narrative":true,"complaint_id":"13473678","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-12T21:45:01.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["However, in reality, all of my accounts are fully paid down to <em>zero</em>, with no <em>missed</em> or <em>late</em> <em>payments</em>. There is absolutely no reasonbased on any account activityfor such a significant <em>credit</em> score drop.\n\nI <em>have</em> reviewed all my reports, and no derogatory marks, delinquencies, or new inquiries exist. The only explanation is a miscalculation or internal scoring error on Experians part. This action directly penalizes me for responsible financial behavior, which is both unreasonable and damaging."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[19.312935,"13473678"]},{"_index":"complaint-public-v1","_id":"2234295","_score":19.280636,"_source":{"product":"Credit card","complaint_what_happened":"A payment to my American Eagle credit card, backed by Synchrony Bank, was made in error apparently, leaving a {$3.00} balance for whatever reason, and I was never notified my account was now in default, considered 'delinquent '. The payment was taken for {$25.00}, not the {$28.00} that was the balance on the card. I never once received a call, postal notification, nor an email correspondence telling me my account was nearing a 30-day collection status. I have never made a late payment - I have had ZERO 'missed payments ' reflected on my credit history for anything, and this {$3.00} and change discrepancy was reported to the major credit bureaus, causing my credit to plummet, without any notification to me, the customer. Had anyone contacted me, I would have immediately made any payment that was required, which I did immediately after finding out this {$3.00} discrepancy caused a mountain of issues, affecting my ability to secure a home mortgage for my toddler and myself. I would never had knowingly left a {$3.00} balance on ANY credit card. Coupled with the fact I was never notified about my account status is bordering on/is already fraudulent. As soon as I saw a drastic change to my credit score, all while in the middle of obtaining a mortgage, I investigated and saw American Eagle coming up as in collection status. I was alarmed, thinking someone stole my credit card information. I logged into my online mobile Synchrony Bank/AE CC account only to see a fee of {$5.00} now added to my account with a due date of XXXX XXXX. No notification of a 'past-due/frozen/delinquent ' account status ; only a due date for a balance I never knew I was carrying of an entire {$11.00}, including fees and interest. I immediately opened up a complaint with Synchrony Bank/AE credit services last evening, XXXX/XXXX/16, as soon as I saw this delinquency/missed payment on my credit report. In a recorded conversation last night with a customer service rep for Synchrony said this was an error, whether it be on my end or theirs, that can and will be rectified. I call back this morning only to be told, by a supervisor, I am not able to be provided with a report/investigation number and this will take 30 business days. They asked if I would like a call back once completed. OBVIOUSLY I want a call back but what are they completing? It 's pretty cut and dry - Synchrony Bank, did not take a full payment as I elected ( defaulted to mininimum ), they did not call me nor mail me anything about delinquency, nor did I ever receive any correspondence saying I had an overdue balance remaining on the card. I have never carried a large balance on my AE credit card nor have I ever missed a payment reported to credit bureaus. I did not even log into my online AE mobile account last month, as I was under the impression I had a zero balance as I had elected to pay the {$28.00} and change in XXXX, as my minimum was apparently {$25.00}, which makes no sense to me but that may be how Synchrony calculates minimum payments. Now it 's XXXX and I am just learning of this remaining {$3.00} plus now interest, fees, and a negative report to credit bureaus. I check my credit reports multiple times a month and nothing was coming up negative until XXXX/XXXX/16. I am completing this complaint as I feel I am being taken advantage of after being a longstanding customer of Synchrony Bank, carrying multiple store cards backed by them, never missing a payment, no negative reports to credit bureaus throughout my entire credit history with this bank ( except now ), and should have either rectified the mistake back in XXXX 2016, contacted me in the two plus months since my last payment in XXXX, or during my XXXX recorded calls to Synchrony Bank/AE offered any solution whatsoever. I was hung-up on by a supervisor and a lower-level representative. Horrible customer service with zero regard for customers or fair credit laws.","date_sent_to_company":"2016-12-03T19:56:17.000Z","issue":"Billing disputes","sub_product":null,"zip_code":"02840","tags":null,"has_narrative":true,"complaint_id":"2234295","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2016-12-03T19:56:17.000Z","state":"RI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I <em>have</em> never made a <em>late</em> <em>payment</em> - I <em>have</em> had <em>ZERO</em> '<em>missed</em> <em>payments</em> ' <em>reflected</em> on my <em>credit</em> history for anything, and this {$3.00} and change discrepancy was reported to the major <em>credit</em> bureaus, causing my <em>credit</em> to plummet, without any notification to me, the customer."],"product":["<em>Credit</em> card"]},"sort":[19.280636,"2234295"]},{"_index":"complaint-public-v1","_id":"11237300","_score":19.13597,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"At the end of XXXX, XXXX. I had decided it was time to purchase another vehicle. My current vehicle was a XXXX XXXX XXXX I had owned for 3 years and NEVER missed a payment. The XXXX payment was due on XX/XX/XXXX. I decided to hold off on making the payment since I more than likely would be purchasing another vehicle. I also realized that if I didnt find a vehicle before the XXXX that I would just make the XXXX payment. I knew it had to be before 30 days to avoid a mark on my credit score. \n\nI traded-in my XXXX XXXX XXXX, which has been financed by San Diego County Credit Union XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I specially asked my Sales Rep, XXXX if I should make the payment. She said it wasnt necessary as XXXX had already included the full payoff amount in the check that would send to SDCCU. With that, I signed all the appropriate documents released the legal responsibility to XXXX and dropped the XXXX from my insurance. I thought everything was fine until about a month later I received an alert from XXXX stating that my score had dropped XXXX XXXX due to a 30 day late on my XXXX XXXX XXXX. I immediately went to the Credit Union thinking that someones in the branch would be able to quickly resolve the issueI was wrong. They said I had to write a letter to the credit department explaining my situation and provide documentation. I was very frustrated and disappointed that there was even a phone number or point of contact or anyone I could directly speak with. So, I did as they instructed and provided copies of the loan documents and all the paperwork showing that I no longer owned the XXXX XXXX XXXX XXXX  which was 6 days prior to the 30 day window. Within a few weeks I received a letter stating that they would not makes any correction unless I provided more information. They never stated what else they needed. My thought was, what else do you need when you can clearly see when I traded in the vehicle? With no one to speak with I went back to the Credit Union and again was told there was nothing they could do. Im so frustrated and disappointed as I had been a good customer and tried to do the right, and again, I HAD NEVER MISSED A PAYMENT. It would nave zero sense to fumble the last payment on the loan prior the trade-in, and damage my credit. I am requesting your help to have my credit reports corrected to reflect the paid off status and the removal of the late payment. I truly hope you can help me with this matter. \nBest regards.","date_sent_to_company":"2024-12-20T22:50:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92120","tags":"Older American","has_narrative":true,"complaint_id":"11237300","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SAN DIEGO COUNTY CREDIT UNION","date_received":"2024-12-20T21:26:01.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["With no one to speak with I went back to the <em>Credit</em> Union and again was told there was nothing they could do. Im so frustrated and disappointed as I had been a good customer and tried to do the right, and again, I HAD NEVER <em>MISSED</em> A <em>PAYMENT</em>. It would nave <em>zero</em> sense to fumble the last <em>payment</em> on the loan prior the trade-in, and damage my <em>credit</em>. I am requesting your help to <em>have</em> my <em>credit</em> reports corrected to <em>reflect</em> the paid off status and the removal of the <em>late</em> <em>payment</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"company":["SAN DIEGO COUNTY <em>CREDIT</em> UNION"],"sub_product":["<em>Credit</em> reporting"]},"sort":[19.13597,"11237300"]},{"_index":"complaint-public-v1","_id":"16697513","_score":18.78351,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because TransUnion and Experian are inaccurately reporting my XXXX XXXX Bank account as having a late payment even though it is fully Paid & Current with a balance of {$0.00}. The account is listed as XXXX XXXX XXXX * * - XX/XX/year> - Paid - {$0.00} * *. \n\nThis reporting is both misleading and damaging to my credit profile. The notation of a late payment implies that I was delinquent or behind on this account when, in fact, there is no balance owed, no amount past due, and no record of missed payments. Such an entry is inconsistent with both the factual account status and the obligations of the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires all furnished data to be accurate, complete, and up to date.\n\nFurthermore, under 15 U.S.C. 1681i ( a ), once a consumer disputes inaccurate or incomplete information, the credit bureaus must conduct a reasonable reinvestigation of that disputed item. In my prior attempts to have this issue corrected, the responses I received from both bureaus were generic verified notices with no supporting documentation, explanation, or evidence that a proper review ever took place. This pattern of dismissive verifications demonstrates a failure to conduct the reasonable reinvestigation that federal law mandates.\n\nThis inaccuracy has had tangible consequences. My credit score has been unfairly impacted, and I have faced unnecessary denials and less favorable credit terms because of a late payment notation that should not exist. It is both disheartening and infuriating to see a paid and current account being reported in a way that falsely damages my financial reputation. I have done everything rightpaid on time, resolved the balance, and maintained responsible credit habitsyet the system designed to reflect my reliability has instead misrepresented me. \n\nThe FCRA was created to prevent exactly this kind of harm. Credit bureaus are entrusted with maintaining data integrity, and creditors are responsible for furnishing information that is both truthful and verifiable. Reporting a zero-balance, paid account as delinquent fails to meet either standard.","date_sent_to_company":"2025-10-20T20:05:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"31324","tags":null,"has_narrative":true,"complaint_id":"16697513","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-20T20:00:49.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The notation of a <em>late</em> <em>payment</em> implies that I was delinquent or behind on this account when, in fact, there is no balance owed, no amount past due, and no record of <em>missed</em> <em>payments</em>. Such an entry is inconsistent with both the factual account status and the obligations of the <em>credit</em> reporting agencies under the Fair <em>Credit</em> Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires all furnished data to be accurate, complete, and up to date."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[18.78351,"16697513"]},{"_index":"complaint-public-v1","_id":"7092669","_score":18.597504,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To best explain the errors listed on my credit report regarding my student loans, I will provide the relevant information and actions taken in chronological order. As of XXXX through XXXX, I tried everything humanly possible to address the late payment errors displayed on my credit report by my student loan provider ; XXXX. For some context to has this issue arose, My first communication with XXXX was back in XXXX when I just finished graduation, this was in respect to the structure of my payment plan, inquiring of all the options available for repayment, and making sure both parties were on the same page ( Myself & XXXX ). After numerous conversations, they informed me of a long term solution that was reasonable and affordable for me to service the debt ; but in hindsight I was strongly misled with their guidance... \n\nI enrolled in the long term payment plan, and provided them my banking information to make the payments ( account number, routing number, bank details, etc. ) I strictly remember asking the representatives over the phone to please verify that my banking information was linked correctly AND to please enroll me in auto pay so that I don't have any missed/late payments reflected on my account. In summary, my account was setup correctly on my end and ready to make monthly payments. \n\nOut of the blue, I receive notice on my credit report in XXXX of XXXX that I was \" 90 days '' past due on student loans. Immediately, I logged into my student loan portal to see if this information was reflected on their end, and sure enough it wasn't. I then proceeded to call another XXXX repressive to assist with the error, and clarified the discrepancy that appeared on my credit report. I was told \" not to worry '' as their system takes time to reflect posted payments. I took that advice at face value and continued to monitor the account. \n\nFast forward to XXXX, XXXX claims that I'm on pace with my payments under their terms ; this is displayed in the XXXX credit report that I uploaded for further context. However, I notice that the \" 90 days '' past due error was still listed on my credit report back from XXXX of XXXX. I reach out to customer service to PLEASE clarify why my account was still displaying a late payment from XXXX, and they provided the same answer as before, stating it was a system error and to please allow some time to make the adjustment. \n\nFast forward to early XXXX, not only did they not correct the \" 90 days '' past due payment from XXXX of XXXX, they erronously added XXXX more months of late payments arbitrarily. The exact months are XXXX of XXXX stating \" 90 days '' past due, then \" 120 days '' past due in XXXX of XXXX, and \" 150 days '' past due in XXXX. No matter how proactive I was in trying to resolve these errors, they only got worse when Covid arose... It was near impossible to get in contact with my provider during the onset of Covid, and there wasn't any clarity towards finding a solution. I'm now 6 years into this issue, and have severely felt the impact of these mistakes on my credit score. These errors have prevented me from accessing financing and credit solutions that I've urgently been seeking for the betterment of myself and my family. \n\nI was advised to reach out CFPB from a family member who experienced a similar issue, as dealing with late payments isn't something I'm familiar with. As a licensed XXXX XXXX, I can't comprehend my credit score with all things considered... I have a 13 % credit utilization ratio, haven't missed ONE payment on any of my credit cards or auto loans, and have zero collections notices. I graciously ask the credit bureaus to please look under the hood regarding these late payment errors on my student loans, as they've held me back from improving my financial situation drastically, and without merit... \n\nANY assistance towards resolving this issue would be greatly appreciated. I put immense effort into making sure my payment history, amount of debt, length of credit history, amount of new credit, and credit mix is in exceptional standing ; this is all depicted in my most recent credit report which is uploaded for reference. If there's any additional questions or requests to resolve this issue, I'll more than happily provide it in a timely manner.","date_sent_to_company":"2023-06-09T14:35:36.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33144","tags":null,"has_narrative":true,"complaint_id":"7092669","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-09T14:35:32.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["As a licensed XXXX XXXX, I can't comprehend my <em>credit</em> score with all things considered... I <em>have</em> a 13 % <em>credit</em> utilization ratio, haven't <em>missed</em> ONE <em>payment</em> on any of my <em>credit</em> cards or auto loans, and <em>have</em> <em>zero</em> collections notices. I graciously ask the <em>credit</em> bureaus to please look under the hood regarding these <em>late</em> <em>payment</em> errors on my student loans, as they've held me back from improving my financial situation drastically, and without merit..."],"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"]},"sort":[18.597504,"7092669"]},{"_index":"complaint-public-v1","_id":"7092668","_score":18.597504,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To best explain the errors listed on my credit report regarding my student loans, I will provide the relevant information and actions taken in chronological order. As of XXXX through XXXX, I tried everything humanly possible to address the late payment errors displayed on my credit report by my student loan provider ; XXXX. For some context to has this issue arose, My first communication with XXXX was back in XXXX when I just finished graduation, this was in respect to the structure of my payment plan, inquiring of all the options available for repayment, and making sure both parties were on the same page ( Myself & XXXX ). After numerous conversations, they informed me of a long term solution that was reasonable and affordable for me to service the debt ; but in hindsight I was strongly misled with their guidance... \n\nI enrolled in the long term payment plan, and provided them my banking information to make the payments ( account number, routing number, bank details, etc. ) I strictly remember asking the representatives over the phone to please verify that my banking information was linked correctly AND to please enroll me in auto pay so that I don't have any missed/late payments reflected on my account. In summary, my account was setup correctly on my end and ready to make monthly payments. \n\nOut of the blue, I receive notice on my credit report in XXXX of XXXX that I was \" 90 days '' past due on student loans. Immediately, I logged into my student loan portal to see if this information was reflected on their end, and sure enough it wasn't. I then proceeded to call another XXXX repressive to assist with the error, and clarified the discrepancy that appeared on my credit report. I was told \" not to worry '' as their system takes time to reflect posted payments. I took that advice at face value and continued to monitor the account. \n\nFast forward to XXXX, XXXX claims that I'm on pace with my payments under their terms ; this is displayed in the Experian credit report that I uploaded for further context. However, I notice that the \" 90 days '' past due error was still listed on my credit report back from XXXX of XXXX. I reach out to customer service to PLEASE clarify why my account was still displaying a late payment from XXXX, and they provided the same answer as before, stating it was a system error and to please allow some time to make the adjustment. \n\nFast forward to early XXXX, not only did they not correct the \" 90 days '' past due payment from XXXX of XXXX, they erronously added three more months of late payments arbitrarily. The exact months are XXXX of XXXX stating \" 90 days '' past due, then \" 120 days '' past due in XXXX of XXXX, and \" 150 days '' past due in XXXX. No matter how proactive I was in trying to resolve these errors, they only got worse when Covid arose... It was near impossible to get in contact with my provider during the onset of Covid, and there wasn't any clarity towards finding a solution. I'm now 6 years into this issue, and have severely felt the impact of these mistakes on my credit score. These errors have prevented me from accessing financing and credit solutions that I've urgently been seeking for the betterment of myself and my family. \n\nI was advised to reach out CFPB from a family member who experienced a similar issue, as dealing with late payments isn't something I'm familiar with. As a licensed XXXX XXXX, I can't comprehend my credit score with all things considered... I have a 13 % credit utilization ratio, haven't missed ONE payment on any of my credit cards or auto loans, and have zero collections notices. I graciously ask the credit bureaus to please look under the hood regarding these late payment errors on my student loans, as they've held me back from improving my financial situation drastically, and without merit... \n\nANY assistance towards resolving this issue would be greatly appreciated. I put immense effort into making sure my payment history, amount of debt, length of credit history, amount of new credit, and credit mix is in exceptional standing ; this is all depicted in my most recent credit report which is uploaded for reference. If there's any additional questions or requests to resolve this issue, I'll more than happily provide it in a timely manner.","date_sent_to_company":"2023-06-09T14:35:36.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33144","tags":null,"has_narrative":true,"complaint_id":"7092668","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-09T14:35:32.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["As a licensed XXXX XXXX, I can't comprehend my <em>credit</em> score with all things considered... I <em>have</em> a 13 % <em>credit</em> utilization ratio, haven't <em>missed</em> ONE <em>payment</em> on any of my <em>credit</em> cards or auto loans, and <em>have</em> <em>zero</em> collections notices. I graciously ask the <em>credit</em> bureaus to please look under the hood regarding these <em>late</em> <em>payment</em> errors on my student loans, as they've held me back from improving my financial situation drastically, and without merit..."],"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"]},"sort":[18.597504,"7092668"]},{"_index":"complaint-public-v1","_id":"7094600","_score":18.57045,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To best explain the errors listed on my credit report regarding my student loans, I will provide the relevant information and actions taken in chronological order. As of XXXX through XXXX, I tried everything humanly possible to address the late payment errors displayed on my credit report by my student loan provider ; XXXX. For some context to has this issue arose, My first communication with XXXX was back in XXXX when I just finished graduation, this was in respect to the structure of my payment plan, inquiring of all the options available for repayment, and making sure both parties were on the same page ( Myself & XXXX ). After numerous conversations, they informed me of a long term solution that was reasonable and affordable for me to service the debt ; but in hindsight I was strongly misled with their guidance... \n\nI enrolled in the long term payment plan, and provided them my banking information to make the payments ( account number, routing number, bank details, etc. ) I strictly remember asking the representatives over the phone to please verify that my banking information was linked correctly AND to please enroll me in auto pay so that I don't have any missed/late payments reflected on my account. In summary, my account was setup correctly on my end and ready to make monthly payments. \n\nOut of the blue, I receive notice on my credit report in XXXX of XXXX that I was \" 90 days '' past due on student loans. Immediately, I logged into my student loan portal to see if this information was reflected on their end, and sure enough it wasn't. I then proceeded to call another XXXX repressive to assist with the error, and clarified the discrepancy that appeared on my credit report. I was told \" not to worry '' as their system takes time to reflect posted payments. I took that advice at face value and continued to monitor the account. \n\nFast forward to XXXX, XXXX claims that I'm on pace with my payments under their terms ; this is displayed in the XXXX credit report that I uploaded for further context. However, I notice that the \" 90 days '' past due error was still listed on my credit report back from XXXX of XXXX. I reach out to customer service to PLEASE clarify why my account was still displaying a late payment from XXXX, and they provided the same answer as before, stating it was a system error and to please allow some time to make the adjustment. \n\nFast forward to early XXXX, not only did they not correct the \" 90 days '' past due payment from XXXX of XXXX, they erronously added XXXX more months of late payments arbitrarily. The exact months are XXXX of XXXX stating \" 90 days '' past due, then \" 120 days '' past due in XXXX of XXXX, and \" 150 days '' past due in XXXX. No matter how proactive I was in trying to resolve these errors, they only got worse when Covid arose... It was near impossible to get in contact with my provider during the onset of Covid, and there wasn't any clarity towards finding a solution. I'm now 6 years into this issue, and have severely felt the impact of these mistakes on my credit score. These errors have prevented me from accessing financing and credit solutions that I've urgently been seeking for the betterment of myself and my family. \n\nI was advised to reach out CFPB from a family member who experienced a similar issue, as dealing with late payments isn't something I'm familiar with. As a licensed XXXX XXXX, I can't comprehend my credit score with all things considered... I have a 13 % credit utilization ratio, haven't missed ONE payment on any of my credit cards or auto loans, and have zero collections notices. I graciously ask the credit bureaus to please look under the hood regarding these late payment errors on my student loans, as they've held me back from improving my financial situation drastically, and without merit... \n\nANY assistance towards resolving this issue would be greatly appreciated. I put immense effort into making sure my payment history, amount of debt, length of credit history, amount of new credit, and credit mix is in exceptional standing ; this is all depicted in my most recent credit report which is uploaded for reference. If there's any additional questions or requests to resolve this issue, I'll more than happily provide it in a timely manner.","date_sent_to_company":"2023-06-09T14:35:36.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33144","tags":null,"has_narrative":true,"complaint_id":"7094600","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-09T14:35:32.000Z","state":"FL","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["As a licensed XXXX XXXX, I can't comprehend my <em>credit</em> score with all things considered... I <em>have</em> a 13 % <em>credit</em> utilization ratio, haven't <em>missed</em> ONE <em>payment</em> on any of my <em>credit</em> cards or auto loans, and <em>have</em> <em>zero</em> collections notices. I graciously ask the <em>credit</em> bureaus to please look under the hood regarding these <em>late</em> <em>payment</em> errors on my student loans, as they've held me back from improving my financial situation drastically, and without merit..."],"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"]},"sort":[18.57045,"7094600"]},{"_index":"complaint-public-v1","_id":"7092703","_score":18.562393,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To best explain the errors listed on my credit report regarding my student loans, I will provide the relevant information and actions taken in chronological order. As of XXXX through XXXX, I tried everything humanly possible to address the late payment errors displayed on my credit report by my student loan provider ; Nelnet. For some context to has this issue arose, My first communication with Nelnet was back in XXXX when I just finished graduation, this was in respect to the structure of my payment plan, inquiring of all the options available for repayment, and making sure both parties were on the same page ( Myself & Nelnet ). After numerous conversations, they informed me of a long term solution that was reasonable and affordable for me to service the debt ; but in hindsight I was strongly misled with their guidance...\n\nI enrolled in the long term payment plan, and provided them my banking information to make the payments ( account number, routing number, bank details, etc. ) I strictly remember asking the representatives over the phone to please verify that my banking information was linked correctly AND to please enroll me in auto pay so that I don't have any missed/late payments reflected on my account. In summary, my account was setup correctly on my end and ready to make monthly payments. \n\nOut of the blue, I receive notice on my credit report in XXXX of XXXX that I was \" 90 days '' past due on student loans. Immediately, I logged into my student loan portal to see if this information was reflected on their end, and sure enough it wasn't. I then proceeded to call another Nelnet repressive to assist with the error, and clarified the discrepancy that appeared on my credit report. I was told \" not to worry '' as their system takes time to reflect posted payments. I took that advice at face value and continued to monitor the account. \n\nFast forward to XXXX, Nelnet claims that I'm on pace with my payments under their terms ; this is displayed in the XXXX credit report that I uploaded for further context. However, I notice that the \" 90 days '' past due error was still listed on my credit report back from XXXX of XXXX. I reach out to customer service to PLEASE clarify why my account was still displaying a late payment from XXXX, and they provided the same answer as before, stating it was a system error and to please allow some time to make the adjustment. \n\nFast forward to early XXXX, not only did they not correct the \" 90 days '' past due payment from XXXX of XXXX, they erronously added XXXX more months of late payments arbitrarily. The exact months are XXXX of XXXX stating \" 90 days '' past due, then \" 120 days '' past due in XXXX of XXXX, and \" 150 days '' past due in XXXX. No matter how proactive I was in trying to resolve these errors, they only got worse when Covid arose... It was near impossible to get in contact with my provider during the onset of Covid, and there wasn't any clarity towards finding a solution. I'm now 6 years into this issue, and have severely felt the impact of these mistakes on my credit score. These errors have prevented me from accessing financing and XXXX XXXX that I've urgently been seeking for the betterment of myself and my family. \n\nI was advised to reach out CFPB from a family member who experienced a similar issue, as dealing with late payments isn't something I'm familiar with. As a licensed financial advisor, I can't comprehend my credit score with all things considered... I have a 13 % credit utilization ratio, haven't missed ONE payment on any of my credit cards or auto loans, and have zero collections notices. I graciously ask the credit bureaus to please look under the hood regarding these late payment errors on my student loans, as they've held me back from improving my financial situation drastically, and without merit... \n\nANY assistance towards resolving this issue would be greatly appreciated. I put immense effort into making sure my payment history, amount of debt, length of credit history, amount of new credit, and credit mix is in exceptional standing ; this is all depicted in my most recent credit report which is uploaded for reference. If there's any additional questions or requests to resolve this issue, I'll more than happily provide it in a timely manner.","date_sent_to_company":"2023-06-09T14:35:24.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33144","tags":null,"has_narrative":true,"complaint_id":"7092703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2023-06-09T12:47:19.000Z","state":"FL","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["As a licensed financial advisor, I can't comprehend my <em>credit</em> score with all things considered... I <em>have</em> a 13 % <em>credit</em> utilization ratio, haven't <em>missed</em> ONE <em>payment</em> on any of my <em>credit</em> cards or auto loans, and <em>have</em> <em>zero</em> collections notices. I graciously ask the <em>credit</em> bureaus to please look under the hood regarding these <em>late</em> <em>payment</em> errors on my student loans, as they've held me back from improving my financial situation drastically, and without merit..."],"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"]},"sort":[18.562393,"7092703"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":127,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":127}]}},"product":{"doc_count":127,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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