Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Goal Structured Solutions, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I had XXXX and was out of work for XXXX weeks in total. Unfortunately, I did not have any sick time or vacation time to cover my time away from work so I went unpaid. This caused me to be unable to afford the monthly payment on the loan. I quickly contacted Launch servicingXXXX to see what arrangements I could make. I spoke with a representative on XX/XX/XXXX and was able to apply for a borrower assistance payment plan. This plan was active as of XX/XX/XXXX when I received a letter informing me that it would be from XXXX XX/XX/XXXX. 


I was able to make each payment until XXXX, because on XX/XX/XXXX I was unexpectedly laid off from my job at XXXX XXXX XXXX and had to go on unemployment until I started my current job in XXXX of XXXX. It did take some time for me to receive my unemployment payments and as a wife and mother of XXXX, our family also had other bills on top of this one. I did make sure to stay on top of the minimum payments on all of my credit cards during this time and of course our car payment and rent payments.I will be honest it did slip my mind to contact Launch servicing/Climb due to the stress of losing my job of XXXX  years due to outsourcing, however, once it was brought to my attention that I did miss the payment I contacted them immediately. At this point they did not report that missed payment to the credit bureaus. 


I first contacted them on XX/XX/XXXX explaining my current situation and hardship and apologized for the missed payment. The representative assured me I could pay the {$50.00} down payment and get back onto the payment agreement plan without having to fill out another form or submitting new paystubs. On XX/XX/XXXX I received a letter from the company stating they were unable to approve my alternative payment plan due to XXXX of the following Customer has XXXX payment remaining on current repayment agreement OR XXXX initial payment is REQUIRED to process a new request. Per the XXXX payment agreement attached to this document, I was still on an alternative payment plan when I defaulted in XXXX 2024, which ended the payment plan and put me into a past due state. Therefore, I assumed that I needed to make the XXXX initial payment of {$50.00} to process the new request, which I immediately did ( I have also attached that documentation ). 
Unfortunately I assumed wrong and the payment plan was not activated which I discovered too late. My due date is the XXXX of each month, I did miss the date and paid on XX/XX/XXXX {$50.00} alternative payment plan payment which I thought was due and was under 30 days late ( XXXX to be exact ). I did not notice that the payment plan was not active until I saw a report on my credit report in XXXX 2025, where my score significantly decreased, because I only paid the {$50.00} alternative payment plan payment I thought I owed, not the full monthly payment that I normally paid prior to being on the alternative payment plan. 

I contacted Climb immediately after seeing this, the representative stated that I would need to dispute this with the credit bureaus XXXX the late payment to see if they can remove it and also assisted me with getting put on the alternative payment plan, this time correctly. I paid my {$50.00} downpayment and also submitted a form with my last XXXX paychecks on XX/XX/XXXX and received a letter on XX/XX/XXXX stating the payment agreement was active again and my next payment was due XX/XX/XXXX. 

Just a few days later in the beginning of XXXX I received notification that a past due balance and late payment was reported again from XXXX, at this point I was very confused because I had just received the updated payment plan information verifying it was active and my next payment was due XX/XX/XXXX. I called the customer service line and they were not very helpful and told me again to dispute it with my credit bureau although it was a fault on their side, they would not be able to fix it on their end. I was able to submit a dispute with XXXX XXXX for XXXX and they were able to approve my dispute and raised my score again. 

Today I submitted a dispute with XXXX and experian which I have attached as well to this document. I hope that you can review this and understand my situation. I have had excellent payment history on all of my credit cards aside from these XXXX reported missed payments with climb credit due to their error. I even asked to speak to a supervisor and they told me no one was available. I am trying to get a mortgage and need this removed from my credit report, not only is it inaccurate it is also hurting my score significantly! 

XXXX XXXX XXXX XXXX XXXX states I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A section XXXX : It also states a consumer reporting agency cannoytfurnish an account with out my written instructions. 

XXXX XXXX XXXX : A creditor XXXX 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 XXXX ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation