Product: Checking or savings account

When the hurricane XXXX, hit South Carolina. It took me out of work XXXX month and a XXXX. I call Region bank. To let them know what about the situation and the hurricane? It was considered a national disaster. They told me that they already knew and that I would not have to make a payment. Entail the XXXX of XXXX when I went to go. Make my payment. I found out that they already closed the account. Even though I was told that it was taken care of this. Dropped my credit score XXXX points because of this. I wrote them several letters call several times but they did nothing to help my situation.So now I have to use the law to have it removed. The late payment that was report by Region bank is a violation of 15 U.S.C. 1681 b2 permissible purpose of consumer report. 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. I need to see the paperwork for when I first did this loan to show where I gave them permission to put anything on my credit report. Also I need to find out. Where are my opt out options. I asked them for all of this and got nothing in return. For a late payment to be lawful, it has to have XXXX requirements. XXXX requirements must be met. And the requirements are as followed.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX U.S. Code Title 15 CHAPTER 41 SUBCHAPTER I Part D 1666b Quick search by citation : Title enter title Section section 15 U.S. Code 1666b - Timing of payments U.S. Code Notes prev | next ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.. this is a violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Region bank must follow the law, they also violated ( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.