Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I received a personal loan from LendingPoint. I could not sustain the monthly payment amount, and in XX/XX/XXXX, LendingPoint voided the original agreement and I entered into a new agreement that lowered the monthly payment. I have consistently demonstrated a good payment history with the company. Then in XXXX, I noticed that they had been reporting that I was a month late in my payments, which was inaccurate. It was identified that a computer glitch, in their system, in regards to the non-printing of a bill that caused the issue. It was never disclosed to me the full detail, but it took nearly six months to permanently fix. At that time, I was strictly monitoring my report each month, and I would call them in regards to the false reporting ; I would dispute it with the credit agency ( XXXX ) ; and the negative reporting would be reversed. It finally got resolved in the latter part of XXXX. Fast forward to XX/XX/XXXX. I was reviewing my credit report, and I noticed more negative reporting from LendingPoint. It stated I was late on a payment, and that I was also $ XXXX overdue in payments. This was incorrect and immediately disputed with XXXX. I also contacted my bank to verify whether or not the payment had not been withdrawn. It turns out, LendingPoint did not ACH withdraw my payment. I called them to ask why, told them to reverse the negative reporting as I had no idea ; no one called me ; no one sent me an email ; and I didnt receive any letter in the mail indicating that they had not received a payment. I even offered to reconcile. They opened up a ticket to have my account reviewed. During this time, I even offered to reconcile any missed payment. LendingPoint refused to take any money from me. In the meantime, I have this FALSE negative reporting on my account while they waffle around and do nothing in regards to this situation. Last week, I finally spoke to someone who looked at my account and right away she noticed some anomalies. The maturation date on my loan was XX/XX/XXXX and was based on the original loan, not the new agreement I entered into in XXXX. They never updated their system. I speculate that is also when the system stopped generating a bill, but because I still owed a balance, it continued to pull from my account. In XX/XX/XXXX, I reached the final payment. LendingPoints system, at that point, STOPPED the ACH withdrawal. Why? Because I no longer had a balance. The monthly payment was $ XXXX. From XX/XX/XXXX to XX/XX/XXXX, there were XXXX payments made. That is equal to {$5000.00}. That amount is greater than the balance they are trying to say Im overdue and an indication that I actually OVERPAID them. At this point, I dont even care about recouping the extra payment. What I do care about, however, is the ongoing negative impact this is having on my credit. My credit card interest rates are going up, my credit card limits have decreased due to this negative reporting as well, which is also increasing my income to debt ratio, which in turn negatively impacts my credit. There is absolutely no recourse for me. XXXX submits disputes and then automatically sides with a LendingPoint. If LendingPoint says its true, it must be true. No. Its not true, and Im about to seek legal action. It is extremely unfair to the consumer, me, that I have to continue to be impacted by a negligent company and frankly a negative credit system. Why is it on the onus of the consumer to always have to prove they are telling the truth?! I am baffled how credit means everything in this country and yet companies are allowed to falsify and have no penalty. Its the consumer that bears the weight of it, and its unfair, unethical, and flat out wrong. I want this to be resolved and I dont want to wait months while my credit continues to be negatively impacted!