Consumer complaint received 2024-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
o : Continental Finance and XXXX XXXX Dispute Department Subject : Formal Dispute of Billing Error and Late Payment Reporting Under 15 USC 1666 ( b ) and 15 USC 1637 ( a.a ) Account Number : XXXX Credit Report Dispute for XXXX XXXX Dear Continental Finance and XXXX XXXX, I am writing to formally dispute a billing error and the reporting of late payments on my credit report under the provisions of 15 U.S. Code 1666 ( b ) ( Fair Credit Billing Act ), 15 U.S. Code 1637 ( a.a ) ( late payment disclosures ), and HJR 192/Public Law 73-10. 

XXXX. Billing Error Dispute 15 U.S.C. 1666 ( b ) I believe an error has occurred on my account concerning the billing statement for [ Month and Year ]. The charges listed on my bill do not accurately reflect the transactions I authorized. I request that you investigate this matter and correct the error as required by 15 U.S.C. 1666 ( b ). Please provide me with a detailed explanation of the charge, including any supporting documentation.

2. Dispute of Late Payment Reporting 15 U.S.C. 1637 ( a.a ) The late payments reported on my credit profile are inaccurate and improperly documented. I dispute the legality of this reporting, as 15 U.S. Code 1637 ( a.a ) clearly outlines the requirements for proper disclosure of terms and the impact of any late fees. I have not received adequate notification or proof of this reporting being consistent with the law.

Furthermore, under HJR 192 ( Public Law 73-10 ), I challenge the legal status of these debts and their enforcement without providing a lawful remedy or acknowledgment of any federal restrictions on debt payment that were in place historically. 

XXXX. Dispute of Credit Profile and XXXX I also dispute the accuracy of my credit profile as it is reflected on XXXX XXXX. The negative entries and any information related to late payments reported by Continental Finance on the credit report for XXXX XXXX XXXX are incorrect. Please investigate the following : The legitimacy of the negative entries. 
Verification of any disputed debts.

Immediate removal of inaccurate information from my credit report. 
Requested Action Correct the billing error on my account and provide a written acknowledgment of the correction. 
Remove any late payment reports that have been inaccurately or illegally applied to my account. 
Update my credit report on XXXX XXXX to reflect these corrections. 
Provide me with written confirmation once these actions have been completed. 
Please treat this letter as a formal notice of dispute. Under 15 U.S.C. 1666, you are required to acknowledge receipt of this letter within 30 days and resolve the matter within two billing cycles. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

without recourse

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation