Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX 1700 G Street NW Washington , DC XXXX Subject : Complaint Regarding Inaccurate Late-Payment Reporting by Dividend Finance To Whom It May Concern : I am submitting this formal complaint against Dividend Finance for inaccurately reporting XXXX XXXXday late payments on my credit file with XXXX XXXX and XXXX. The derogatory marks dated XX/XX/year> and XX/XX/year> stemmed from Dividend Finance 's own autopay processing error, not from any failure on my part to maintain adequate funds or remit payment. 
Background and Timeline XX/XX/year> - Checking account Background and Timeline XX/XX/year> - Checking account funded ; autopay confirmed for XXXX draft. 
XX/XX/year>- Autopay fails on Dividend 's end ( no XXXX at my bank ). 
XX/XX/year> - I contacted Dividend ; representative confirmed a one-time processing glitch. Account brought current immediately. 
XX/XX/year> - XXXX autopay also miscoded late because the glitch had not yet been fixed. 
XX/XX/year> - XXXX call ; ticket XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened. Representative assured me my credit would not be harmed. 
XX/XX/year> - Autopay coding fully corrected ; every payment since has posted on time. 
XX/XX/year> - Both months still report as XXXXday late with all XXXX credit bureaus. 
Legal Violations - Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ) : Duty to furnish accurate information. 
- FCRA Section XXXX ( a ) ( XXXX ) : Duty to promptly correct or delete information known to be inaccurate. 
- FCRA Section XXXX ( a ) ( XXXX ) : Duty to flag the tradeline as disputed when a consumer disputes directly. 
- FCRA Section XXXX ( b ) : Duty to conduct a reasonable reinvestigation after a CRA forwards a dispute. 
- Electronic Fund Transfer Act & Regulation XXXX ( XXXX XXXX XXXXXXXX ) : Failure to process Pre-authorized transfer and notify the consumer. 
- Consumer Financial Protection Act ( XXXX XXXX. XXXX ) : Unfair, deceptive, or abusive act to continue reporting known inaccurate derogatory information. 
Relief Requested XXXX. Immediate removal or correction of the XX/XX/XXXX and XX/XX/year>, late-payment codes from my credit files. 
XXXX. Written confirmation from Dividend Finance that the tradeline now reflects on-time payments for those months. 
XXXX. Assurance that Dividend Finance 's autopay system has been fixed to prevent future errors. 
Supporting Documents - Bank statements ( XX/XX/XXXX- XX/XX/year> ) showing sufficient funds. 
- Dividend Finance customer-service emails acknowledging the autopay glitch ( ticket XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
- Screenshots of the credit reports showing the disputed late-payment entries. 
I certify that the information provided in this complaint is true and accurate to the best of my knowledge. I respectfully request that the Bureau investigate Dividend Finance 's reporting practices and ensure compliance with the FCRA and related consumer-protection laws. 
Thank you for your time and attention to this matter. 
Thank you for your time and consideration. I value my relationship with Dividend Finance and look forward to continuing it for years to come. 

Sincerely, ( digital signature ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief