Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MN)

Hello, I have a leased a vehicle from XXXX and have been making consistent and on-time payments for 5 years now. I was startled to see when I checked my credit report that there was a record of a 30+ day late payment with XXXX that was negatively affecting what has been otherwise a very good credit rating. I have never been deliquent with a payment for 15 years! After checking my checking account and seeing that no check had been cashed for 2 months I realized that I was past due and immediately called their billing agency and made payment by electronic check. I am now up to date on my payments. The problem is that I believe that I am not at fault, and that XXXX IS at fault for this late payment. Therefore, I called XXXX explaining the situation and requesting that 1 ) XXXX waive any late fees associated with the payment and 2 ) that XXXX go back to my credit report and state that I was not deliquent on any payment. XXXX was willing to do number XXXX, but they were adamant about not going and correcting my late payment on my credit report, claiming that because XXXX was not at fault, they had no obligation to do so. I then contacted Experian, and after their investigation, they did not amend my credit report either. 

I believe that XXXX is wrong, and that they are obliged by law to correct my credit report, since the reason that the payment was late was their fault not mine..I have leased with XXXX for 5 years and never missed a payment till XXXX XXXX. XXXX on the other hand has always been quite haphazard with when I receive invoices from them. Sometimes I will receive them within a couple weeks of the due date, other times just within days of the due date ( in which time I have to turn around and pay the bill very quickly ). XXXX time I even had to call XXXX and ask where my bill was as I was getting nervous that I would be late due to getting their invoice not in time to mail payment back. I also found out from XXXX that they use XXXX party entities to send out invoices and to process payments. In the case here, XXXX never sent me the invoice for the months in question, and naturally I did not pay since if there is no bill, it does not enter my mind to send a check. It would be impossible to keep track of all my bills without the invoices that the companies send me! XXXX says that it is my responsibility to pay, even if they failed to send an invoice for that month, but that does n't seem fair at all putting all that responsibility on the consumer. Even this month, XXXX claims that they sent an invoice on XXXX XXXX, and I am still waiting for the bill. Why should my credit score be damaged seriously by something that is XXXX 's fault? 

I am further frustrated by the fact that XXXX never communicated with me effectively in telling me that I was late for payment ( in which case I would have paid immediately ). The only thing they did was left a vague phone message which I did n't return because I thought it was regarding a completely different issue that I had called them about and was not urgent for an answer. I wish they would have sent me a letter or something to let me know I was late!