and any late payment record is incorrect. This erroneous reporting negatively impacts my payment history unfairly XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Late Payment Issue : The late payment reported on this long-closed account is inaccurate and outdated Law & Instruction : Under FCRA 605 ( a ) ( 5 )

What the CFPB Record Shows About and any late payment record is incorrect. This erroneous reporting negatively impacts my payment history unfairly XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Late Payment Issue : The late payment reported on this long-closed account is inaccurate and outdated Law & Instruction : Under FCRA 605 ( a ) ( 5 )

and any late payment record is incorrect. This erroneous reporting negatively impacts my payment history unfairly XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Late Payment Issue : The late payment reported on this long-closed account is inaccurate and outdated Law & Instruction : Under FCRA 605 ( a ) ( 5 ) has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state.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, and any late payment record is incorrect. This erroneous reporting negatively impacts my payment history unfairly XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Late Payment Issue : The late payment reported on this long-closed account is inaccurate and outdated Law & Instruction : Under FCRA 605 ( a ) ( 5 ) reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of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 "suggesting settlement or closure", and the single most common underlying issue is "the bureau must ensure maximum possible accuracy and remove outdated or misleading items Story : This account was resolved and holds no balance".

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 and any late payment record is incorrect. This erroneous reporting negatively impacts my payment history unfairly XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Late Payment Issue : The late payment reported on this long-closed account is inaccurate and outdated Law & Instruction : Under FCRA 605 ( a ) ( 5 ): 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.