Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLIANT CREDIT UNION
State: GA

Complaint narrative:
NOTICE OF DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ALLIANT CREDIT UNION XXXX XXXX XXXX XXXX XXXX, XXXX Re : Dispute of Alleged Late Payment Request for Verification DISCLAIMER : It is important to clarify that simply providing a record of when the payment was posted by your department does not suffice as proof that the payment was actually late. Such records only illustrate when your department processed the payment. 

To Whom It May Concern, This letter serves as a formal notice of dispute concerning the reported late payments associated with my account XXXX with ALLIANT CREDIT UNION. This dispute is brought according to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically under 15 U.S.C. 1681i ( a ), which requires the prompt investigation and correction of disputed information. 

My dispute is further supported by the legal precedent established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), which emphasizes the necessity for creditors to maintain accurate, substantiated, and verifiable records when reporting to consumer reporting agencies. 

Accordingly, I hereby request that you provide the following specific documentation to substantiate your claim that the payment in question was late : Internal Records, Logs, or Notes and Interactions : Pursuant to 15 U.S.C. 1681m ( a ), please provide all internal records, logs, or notes and interactions that indicate the exact date and time the payment was received by your institution. 

Supporting Communication or Documentation : In accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates the accurate reporting of information, I request any communication or documentation that supports the assertion that the payment was received after the established due date. 

Relevant Policies or Procedures : As provided by 15 U.S.C. 1681s-2 ( a ) ( 2 ), which requires furnishers of information to notify consumer reporting agencies of corrections to information that is found to be inaccurate, please supply any policies or procedures that were in place at the time, governing the handling of payments and the reporting of late payments. 

Please provide the requested documentation by XX/XX/XXXX, which falls within the legally required XXXXay period as stipulated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Failure to provide the necessary documentation may compel me to pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to ensure the accuracy of my credit report. 

Your prompt attention to this matter is not only expected but legally required under the provisions of the Fair Credit Reporting Act. I look forward to your swift and thorough response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation