Consumer complaint received 2020-08-02
Company: Applied Data Finance, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a text message notification from XXXX XXXX XXXX XXXX ( credit monitoring service ) notifying that Personify Financial had reported my account 30 days late to XXXX on XX/XX/XXXX. I immediately contacted Personify Financial and spoke to their Customer Service Supervisor. He went over my account and acknowledged I shouldn't have been reported late to XXXX, since I was 27 days late when I made a payment in the amount of {$220.00} on XX/XX/XXXX ( which covered 2 installments in the amount of {$110.00} each, due on XX/XX/XXXX and XX/XX/XXXX ). The next payment in the amount of {$240.00} made on XX/XX/XXXX was also 27 days late ( which covered 2 installments in the amount of {$120.00} each, due on XX/XX/XXXX and XX/XX/XXXX ). A subsequent payment in the amount of {$370.00} was made on XX/XX/XXXX ( which covered 3 installments in the amount of {$120.00} each, due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX plus a {$17.00} late fee. The Customer Service Supervisor promised he would contact me again in the next few days and assured me it would be taken care of by notifying XXXX of the mistake made by them. That same day ( XX/XX/XXXX ) I also filed an official credit dispute with XXXX. I never received the follow up call I was promised from Personify Financial 's Customer Service Supervisor. 
Finally I received a Complaint Acknowledgement letter from Personify Financial dated XX/XX/XXXX stating the reason I was reported 30 days late to XXXX was due to a late fee charged to my account in the amount of {$17.00}. 
I replied to Personify Financial on XX/XX/XXXX stating my disagreement with their decision to report my account 30 days late to XXXX. The female Customer Service Representative who processed the payment in the amount of {$220.00} on XX/XX/XXXX advised me a late fee in the amount of {$20.00} was being assessed to my account, clearly stated there was no need to pay it at that time and would be added to my account balance. She did not warn me at any time if not paid at that moment I could be reported to the Credit Bureau. As a matter of fact, when I made a payment on XX/XX/XXXX I inquired with Personify Financial 's Customer Service Representative XXXX and he advised me there was no need to pay any outstanding late fee in order to bring an account to current status. 
I never received a reply to my letter dated on XX/XX/XXXX. I sent a second letter to Personify Financial on XX/XX/XXXX and received a reply on XX/XX/XXXX stating they had completed their investigation of my dispute and the information furnished to XXXX was accurate. 
I had an unblemished credit record until XX/XX/XXXX and this has seriously hurt my credit score and credit worthiness since then. I had never been reported to any Credit Bureau in the past. I find it extremely unfair and a non-ethical business practice for Personify Financial to provide inaccurate information regarding the assessment of late fees and not warn the customer to fulfill it at the time a payment is made or face the consequences of being reported late to the Credit Bureau.

Company response to consumer: Closed with explanation