Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14498626
Complaint Overview
Complaint ID: 14498626
Company: Lendingpoint Holdings LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Massachusetts
ZIP Code: 01104
Date Received: 2025-07-06T12:00:00-05:00
Date Sent to Company: 2025-07-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to dispute inaccurate and unverified late payment information being reported on my credit file for the following accounts. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681e ( b ) ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ), and the Truth in Lending Act ( 15 U.S.C. 1666b, 1605 ( a ) ), I am formally requesting that you investigate and remove these erroneous late payments and update the accounts to reflect Paid as Agreed. Disputed Accounts : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} I was not XXXX, XXXX, or XXXX days late. Please update this account to " Paid as Agreed. '' XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} | Payment : {$39.00} The reported delinquency is incorrect. I request full validation and correction to reflect an accurate payment history. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} I was never late. Please update this account accordingly. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} | Payment : {$81.00} No accurate evidence has been provided of a XXXX, XXXX, oXXXX XXXX-day delinquency. Please correct this record. XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} This account reflects inaccurate late payment ( XXXX ). I request immediate correction. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} I was never late. Kindly update this to show a positive payment history. LendingPoint LLC Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} | Payment : {$610.00} Late payment reporting is in error. I did not receive a statement XXXX days prior to due date in violation of 15 U.S.C. 1666b. Please investigate and correct this. XXXX XXXX XXXX. Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} The late payment entry is inaccurate. I request its removal and that the account be updated to " Paid as Agreed. '' XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$50000.00} | Payment : {$1000.00} This account shows late payment ( XXXX ) that are unverified and possibly based on a billing error. The statement showed a positive balance, indicating no payment was due, per 15 U.S.C. 1666b. Please remove the derogatory information and update this record. Legal Basis for Dispute : 15 U.S.C. 1681i : Requires reinvestigation of disputed information. 15 U.S.C. 1681e ( b ) : Requires maximum possible accuracy. 15 U.S.C. 1692g ( b ) : Requires validation of debt upon dispute. 15 U.S.C. 1666b ( 4 ) ( 5 ) : Failure to provide statements 21 days before payment due is a violation. 15 U.S.C. 1605 ( a ) : If finance charges bring the account current, no late payment should be reported. Resolution Requested : Remove all inaccurate or unverified late payment information. Update each account to reflect Paid as Agreed. Provide all supporting documentation ( including billing statements and payment records ) validating any alleged delinquencies. Complete your investigation and respond within XXXX days, as required by federal law.
Frequently Asked Questions
What is Complaint #14498626 about?
Complaint #14498626 was filed against Lendingpoint Holdings LLC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-07-06T12:00:00-05:00.
How did Lendingpoint Holdings 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 (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Lendingpoint Holdings LLC?
Yes, visit the Lendingpoint Holdings LLC company profile at readthecomplaint.com/company/lendingpoint-holdings-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.