Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: PR

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting To whom it may concern, I am writing to formally dispute the inaccurate reporting of a late payment on my credit report. Upon reviewing my credit file, I discovered that Mercedes Benz Financial Services has reported a late payment and late charges of {$69.00} on XXXX and XX/XX/XXXX for Account # XXXX, which is incorrect. Please see attached letter dated XX/XX/XXXX with the explanation why this is inaccurate. 
Legal Basis for Dispute and Removal Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information reported is accurate, complete, and verifiable. The following federal laws and regulations support my request for removal : FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of credit information must not report inaccurate or incomplete data to consumer reporting agencies.

FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Credit bureaus must investigate disputed items within 30 days and correct or delete inaccurate or unverifiable information.

FCRA, 15 U.S.C. 1681e ( b ) Credit bureaus are responsible for maintaining maximum possible accuracy in credit reports. Failure to correct errors constitutes a violation of federal law.

Requested Action I request that this late payment be removed immediately from my credit report. The incorrect reporting of a late payment is damaging to my creditworthiness, and I have enclosed supporting documentation to verify that the payment was made on time ( or that the reporting is otherwise incorrect ). 

Supporting Documents I have attached the following documents to support my dispute : 1. Correspondence to Mercedes Benz Financial verifying the correct payment status and indicating the incorrect late payment application.

Final Notice Failure to correct this inaccuracy may result in legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violations of the FCRA.

Please update my credit file and provide me with a written confirmation of the removal once the investigation is complete. I expect a response within the 30-day timeframe as required by law. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of the correction. 

Sincerely, XXXX XXXX XXXX Social Security Number ( Last XXXX Digits : XXXX XX/XX/XXXX Mercedes Benz Financial Services XXXX XXXX CUSTOMER SERVICE DEPTT XXXX XXXX XXXXXXXX XXXX, TX XXXX Account : XXXX Customer Care Specialist : I am disputing the late charges in the amount of {$69.00} you are invoicing me. As I informed you over the phone am disputing this charge since my account is paid through Auto Pay Debit Authorization from my bank account in XXXX XXXX, which is debited monthly. I have not missed a payment except for the time Hurricane XXXX struck XXXX XXXX and devasted the XXXX and the Banks did not operated during the month of XXXX and part of XXXX XXXX there was no electric power supply in the whole island. 
Since, this situation was out of my control and force majeure, all the financial institutions in the XXXX declared a moratorium in the payments of personal, auto and mortgage loans. I am enclosing for your information copy of the XXXX 's business paper explaining this situation. 
I hope this clears once and for all this situation which I have explained on various telephone conversations with your supervisors. Again, my account is on Auto Pay Debit Authorization and I have not missed a payment whatsoever, so these charges do not apply to my account. I am requesting that these late charges in the amount of {$69.00} be deleted from my account. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation