Total complaints
1
Filed since XXXX
2026 data Public-data reference. official source
15 U.S.C. 1681e ( b ) Issue : This account is incorrectly flagged with late payment while I was under an active promotional or deferred program Story : I had a payment arrangement that protected me from delinquency being reported. The current late payment data is misleading and should be corrected or removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Law : FCRA Section 607 ( b )
1 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
1 consumer complaints filed with the CFPB
This profile shows 15 U.S.C. 1681e ( b ) Issue : This account is incorrectly flagged with late payment while I was under an active promotional or deferred program Story : I had a payment arrangement that protected me from delinquency being reported. The current late payment data is misleading and should be corrected or removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Law : FCRA Section 607 ( b )'s complaint history from CFPB public records. 1 consumers have filed complaints since XXXX. The company has a 0% timely response rate and has provided relief in 0% of cases.
1
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
1
States Active
XXXX
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 0.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
15 U.S.C. 1681e ( b ) Issue : This account is incorrectly flagged with late payment while I was under an active promotional or deferred program Story : I had a payment arrangement that protected me from delinquency being reported. The current late payment data is misleading and should be corrected or removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Law : FCRA Section 607 ( b ) complaint mix by product
- CA XXXX 1 100.0% – 0% relief
How 15 U.S.C. 1681e ( b ) Issue : This account is incorrectly flagged with late payment while I was under an active promotional or deferred program Story : I had a payment arrangement that protected me from delinquency being reported. The current late payment data is misleading and should be corrected or removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Law : FCRA Section 607 ( b )'s 1 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| CA XXXX Address Law : FCRA Section 609 ( c ) ( 1 ) ( A ) | 1 |
Top States
| State | Complaints |
|---|---|
| 15 U.S.C. 1681e ( b ) ; Section 611 ( a ) Issue : Late payment listed even though balance is {$0.00} and the vehicle was voluntarily returned under mutual agreement Story : This account should not reflect late payment after resolution and balance payoff. I respectfully request correction or deletion of the delinquency notation XXXX XXXXXXXX Late Payment * * Law : FCRA Section 607 ( b ) ; 15 U.S. Code 1681e ( b ) Issue : The account is showing late payment despite a balance of {$0.00} indicating resolution Story : I completed all payments as agreed and the reporting of late payments after account resolution is unjust and misleading. Kindly remove all negative indicators Under the FCRA I am entitled to a full and fair reinvestigation of these disputed items and expect all supporting documentation used to verify this information to be sent to me if the information can not be verified it must be deleted immediately from my credit report I respectfully request that the credit reporting agency completes this reinvestigation within the 30-day timeframe as required under 15 USC 1681i and provides a written response upon completion if this matter is not resolved I will not hesitate to escalate this issue further through the CFPB and other legal channels including civil liability under 15 USC 1681n and 1681o.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| CA XXXX Address Law : FCRA Section 609 ( c ) ( 1 ) ( A ) | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About 15 U.S.C. 1681e ( b ) Issue : This account is incorrectly flagged with late payment while I was under an active promotional or deferred program Story : I had a payment arrangement that protected me from delinquency being reported. The current late payment data is misleading and should be corrected or removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Law : FCRA Section 607 ( b )
15 U.S.C. 1681e ( b ) Issue : This account is incorrectly flagged with late payment while I was under an active promotional or deferred program Story : I had a payment arrangement that protected me from delinquency being reported. The current late payment data is misleading and should be corrected or removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Law : FCRA Section 607 ( b ) has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to XXXX, and the most recent logged activity is XXXX XXXX , giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, 15 U.S.C. 1681e ( b ) Issue : This account is incorrectly flagged with late payment while I was under an active promotional or deferred program Story : I had a payment arrangement that protected me from delinquency being reported. The current late payment data is misleading and should be corrected or removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Law : FCRA Section 607 ( b ) reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "CA XXXX Address Law : FCRA Section 609 ( c ) ( 1 ) ( A )", and the single most common underlying issue is "CA XXXX Address Law : FCRA Section 609 ( c ) ( 1 ) ( A )".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating 15 U.S.C. 1681e ( b ) Issue : This account is incorrectly flagged with late payment while I was under an active promotional or deferred program Story : I had a payment arrangement that protected me from delinquency being reported. The current late payment data is misleading and should be corrected or removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Law : FCRA Section 607 ( b ): cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does 15 U.S.C. 1681e ( b ) Issue : This account is incorrectly flagged with late payment while I was under an active promotional or deferred program Story : I had a payment arrangement that protected me from delinquency being reported. The current late payment data is misleading and should be corrected or removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Law : FCRA Section 607 ( b ) have?
15 U.S.C. 1681e ( b ) Issue : This account is incorrectly flagged with late payment while I was under an active promotional or deferred program Story : I had a payment arrangement that protected me from delinquency being reported. The current late payment data is misleading and should be corrected or removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Law : FCRA Section 607 ( b ) has received 1 consumer complaints filed with the Consumer Financial Protection Bureau.
Does 15 U.S.C. 1681e ( b ) Issue : This account is incorrectly flagged with late payment while I was under an active promotional or deferred program Story : I had a payment arrangement that protected me from delinquency being reported. The current late payment data is misleading and should be corrected or removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Law : FCRA Section 607 ( b ) respond to complaints on time?
15 U.S.C. 1681e ( b ) Issue : This account is incorrectly flagged with late payment while I was under an active promotional or deferred program Story : I had a payment arrangement that protected me from delinquency being reported. The current late payment data is misleading and should be corrected or removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Law : FCRA Section 607 ( b ) has a 0% timely response rate to CFPB complaints.
What is the most common complaint about 15 U.S.C. 1681e ( b ) Issue : This account is incorrectly flagged with late payment while I was under an active promotional or deferred program Story : I had a payment arrangement that protected me from delinquency being reported. The current late payment data is misleading and should be corrected or removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Law : FCRA Section 607 ( b )?
The most common issue reported against 15 U.S.C. 1681e ( b ) Issue : This account is incorrectly flagged with late payment while I was under an active promotional or deferred program Story : I had a payment arrangement that protected me from delinquency being reported. The current late payment data is misleading and should be corrected or removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Law : FCRA Section 607 ( b ) is "CA XXXX Address Law : FCRA Section 609 ( c ) ( 1 ) ( A )" in the "CA XXXX Address Law : FCRA Section 609 ( c ) ( 1 ) ( A )" product category.
Read our methodology — how this data is sourced, computed, and verified.
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