Product: Credit reporting or other personal consumer reports

I am writing to address the egregious and persistent issue of inaccurate payment reporting on my XXXX XXXX account, specifically concerning XX/XX/XXXX and XX/XX/XXXX. It has come to my attention that both Experian and XXXX have erroneously reported late payments for these months, despite my consistent and timely payments, thereby flagrantly violating the Fair Credit Reporting Act ( FCRA ). 

I demand, with utmost urgency, that XXXX takes immediate action to rectify these flagrant errors and update my credit report to accurately reflect my payment history as never late, as mandated by the FCRA. 

In XX/XX/XXXX, Experian and XXXX accurately reported my payment history as exceptional. Please report attached. However, XXXX 's erroneous late reporting for XX/XX/XXXX has not only tarnished my credit history but has also reversed the previously updated status of XX/XX/XXXX from " Current Never Late '' to displaying three late payments on my report. XX/XX/XXXX, was disputed in my favor and XXXX and Experian both reported exceptional payments history with no late payment comments. I demand that the status of XX/XX/XXXX be expeditiously reverted back to " Current Never Late. '' During a recent interaction with a XXXX XXXX representative named XXXX, via chat, regarding the late payments for XXXX and XX/XX/XXXX, I was astounded to learn that despite my payment being made on XX/XX/XXXX, XXXX revealed that it was marked as 31 days past due for XX/XX/XXXX. She further mentioned that I supposedly have up to 30 days to make a payment to avoid a late payment report to the credit bureaus. Yet, considering XX/XX/XXXX only has XXXX calendar days, XX/XX/XXXX would have been the last day to make a payment without incurring a late payment report. Day one for XX/XX/XXXX starts on XX/XX/XXXX. And day XXXX is XX/XX/XXXX ( calendar days ) The discrepancy is glaring, and XX/XX/XXXX 's status must be corrected immediately. 

Furthermore, XXXX disclosed that the month of XX/XX/XXXX was reported as 21 days past due, yet the rationale behind this late reporting remains unclear. Please explain as to why the account is reported late for XX/XX/XXXX. Someone in XXXX department is overlooking my account and is not investigating thoroughly to report the correct information once they receive my dispute. If someone from XXXX XXXX would just count the days and realize the payment was made within 30 days. These complaints could be avoided. 

Notably, XXXX stated in the chat XX/XX/XXXX, which was 26 days past due, did not receive a late payment report. These inconsistencies are deeply troubling and demand swift resolution. 

Attached, you will find screenshots of my conversation with XXXX representatives, substantiating my claims. I have also submitted a formal complaint to the XXXX XXXX XXXX XXXX XXXX XXXX outlining my concerns. These discrepancies have not only impeded my ability to secure additional funding but have also precipitated a profound loss of trust in XXXX XXXX. 

After 19 years of loyalty to the XXXX family, I have regrettably decided to terminate my lease in XXXX ( next month ) and explore other automotive options that prioritize exemplary customer care. This decision is a direct consequence of the ongoing battle with XXXX XXXX, culminating in the distressing issues surrounding late payments in XX/XX/XXXX, and now in XXXX and XX/XX/XXXX. 

I implore XXXX XXXX, Experian and XXXX to conduct a thorough investigation and promptly update my accounts to reflect accurate information, thus averting any potential legal repercussions. 


These another discrepancy in your system, I logged into my account and the system says my payment is due XX/XX/XXXX for the amount shown, however I didnt even make a payment for XXXX. This is ridiculously. Discrepancy on every end and Im being penalized for this.