Payday loan, title loan, personal loan, or advance loan -- Incorrect information on your report -- Complaint #10825285
Complaint Overview
Complaint ID: 10825285
Company: Paytomorrow, LLC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Personal line of credit
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Florida
ZIP Code: 339XX
Date Received: 2024-11-16T12:00:00-05:00
Date Sent to Company: 2024-11-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
What Happened : On XX/XX/year>, I discovered that Pay Tomorrow Finance is reporting a late payment for the month of XX/XX/year> across all three major credit bureaus ( XXXX, XXXX, and XXXX ). This is despite my account with Pay Tomorrow Finance being fully paid off since XX/XX/year>. I contacted Pay Tomorrow Finance on XX/XX/year>, and spoke with an agent named XXXX at XXXXXXXX XXXX XXXX During this call, XXXX confirmed that my account has a zero balance and expressed uncertainty about why the company is reporting my account as delinquent. She also stated she would send me an email regarding the issue. While I received her email, it lacked a reference number and did not address the erroneous reporting. This false information has caused significant harm to my credit score, which has dropped substantially due to XXXX XXXX Finances inaccurate reporting. Despite having no outstanding balance, the company continues to report a late payment, which is a violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ). Amounts Involved : My account balance was {$0.00} as of XX/XX/year>. The reported late payment for XX/XX/year> is inaccurate and unjustified. My credit score has dropped by [ state approximate number of points, if known ] as a result of this false reporting. Actions Taken : XXXX. I called XXXX XXXX XXXX on XX/XX/year>, to dispute the inaccurate reporting. XXXX. I requested immediate correction of the error, but no corrective action has been taken so far. XXXX. I have also sent a formal demand letter to Pay Tomorrow Finance requesting correction and compensation for damages caused by their actions.
Frequently Asked Questions
What is Complaint #10825285 about?
Complaint #10825285 was filed against Paytomorrow, LLC regarding Payday loan, title loan, personal loan, or advance loan specifically about Incorrect information on your report. It was received by the CFPB on 2024-11-16T12:00:00-05:00.
How did Paytomorrow, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Payday loan, title loan, personal loan, or advance loan) and describe your issue in detail.
Can I see other complaints against Paytomorrow, LLC?
Yes, visit the Paytomorrow, LLC company profile at readthecomplaint.com/company/paytomorrow-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.