it must be deleted Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7300.00} Late Payment Law : FCRA 611 ( a ) requires proper investigation upon dispute Issue : The late payment reporting is inaccurate Story : This account has been incorrectly reported as delinquent. I have not missed payments in the manner described

What the CFPB Record Shows About it must be deleted Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7300.00} Late Payment Law : FCRA 611 ( a ) requires proper investigation upon dispute Issue : The late payment reporting is inaccurate Story : This account has been incorrectly reported as delinquent. I have not missed payments in the manner described

it must be deleted Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7300.00} Late Payment Law : FCRA 611 ( a ) requires proper investigation upon dispute Issue : The late payment reporting is inaccurate Story : This account has been incorrectly reported as delinquent. I have not missed payments in the manner described 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 Acco, and the most recent logged activity is Account XX, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, it must be deleted Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7300.00} Late Payment Law : FCRA 611 ( a ) requires proper investigation upon dispute Issue : The late payment reporting is inaccurate Story : This account has been incorrectly reported as delinquent. I have not missed payments in the manner described 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 "making it appear as though I am an unreliable borrower when that is not true. I request verification with original payment records", and the single most common underlying issue is "this late payment must be deleted Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law : FCRA 611 ( a ) requires reinvestigation of disputed information Issue : Reporting a late payment on an account with XXXX balance is inaccurate and contradictory Story : This account is closed and shows a XXXX 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 it must be deleted Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7300.00} Late Payment Law : FCRA 611 ( a ) requires proper investigation upon dispute Issue : The late payment reporting is inaccurate Story : This account has been incorrectly reported as delinquent. I have not missed payments in the manner described: 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.