Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: PayTomorrow, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding PayTomorrow, which is being inaccurately reported with multiple late payments by both XXXX  and XXXX. This account has been disputed twice already, and more than 60 days have passed with no written validation or proof provided. 
According to the reports : XXXX  shows the account as Paid, with a Closed Date of XX/XX/XXXX. 
XXXX  shows the account as Closed, but does not list a close date. 
Both show multiple late payments from XX/XX/XXXX through XX/XX/XXXX, coded as follows : XXXX XXXX 30 days late XX/XX/XXXX 30 days late XXXX XXXX 30 days late XX/XX/XXXX 60 days late XXXX XXXX  90 days late XXXX XXXX 90 days late XXXX XXXX 90 days late XX/XX/XXXX Unavailable These entries are factually inaccurate and unverified. I have not received any documentation proving that these payments were actually late. Under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX data standards, a furnisher can not report payment history as delinquent unless it has verifiable records showing that a payment was received late and properly applied. 
Until such validation is provided including actual bank statements from PayTomorrow showing that payments were received late these late-payment notations are considered hearsay, not verified data. 
Despite my prior disputes, both XXXX  and XXXX  have marked the account as Account not disputed, which is false. I have disputed this account twice in writing, giving each bureau and PayTomorrow ample time ( over 60 days ) to conduct a reasonable reinvestigation under FCRA XXXX ( a ). The continued display of account not disputed constitutes furnishing false data under FCRA XXXX ( a ) ( XXXX ) ( A ). 
This account is a factual dispute under FCRA and XXXX XXXX, and the reporting is inaccurate and incomplete in multiple ways : Late payment data is inconsistent and unverified. 
Account status and close date differ between XXXX  and XXXX. 
No documentation has been produced by PayTomorrow to substantiate the delinquencies. 
Continuing to report this as verified without providing any written evidence violates : FCRA XXXX ( b ) Failure to ensure maximum possible accuracy. 
FCRA XXXX ( a ) Failure to conduct a reasonable reinvestigation. 
FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing information known to be inaccurate. 
FDCPA XXXX ( b ) Failure to provide validation upon written request. 
XXXX XXXX Data Furnishing Standards Inconsistent status, missing dispute indicator, and unverifiable delinquency reporting. 
Both XXXX  and XXXX  have a history of data breaches and class-action litigation for failing to maintain adequate procedural accuracy controls ( e.g., XXXX XXXX breach and XXXX XXXX breach affecting millions of consumers ). These recurring issues demonstrate that systemic errors and lack of proper validation procedures continue to harm consumers like me. 
Simply mailing a verified letter or a copy of my credit report does not constitute verification under FCRA XXXX ( a ) ( XXXX ) or XXXX ( b ). Verification requires documentary evidence, not automated e-OSCAR form responses. 
If the bureaus and PayTomorrow can not provide bank statements, payment ledgers, or original transaction records showing when payments were actually received, then all late-payment notations must be deleted immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation