Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18154238
Complaint Overview
Complaint ID: 18154238
Company: Heartland Payment Systems INC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Florida
ZIP Code: 34221
Date Received: 2025-12-04T12:00:00-05:00
Date Sent to Company: 2025-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My XXXX XXXX was serviced by XXXX. I called on XX/XX/XXXX and again on XX/XX/XXXX in an attempt to access my account and set up payment ( after prolonged inability to log in to online account despite having correct information ) to rectify my account and set up autopayments. I was assured autopayments would be automatic and updated my mailing address to ensure I would receive any applicable communication/statements. I did not receive any email or mail confirmation, delinquency notice, or warning of any failed payments as the initial payment did go through for the amount I was told I needed to pay to be in good standing. I relied on this confirmation that my account was in good standing and on autopay as I was once again unable to log into the account online with several website errors occurring. In XX/XX/XXXX, the loan was reported in default and negatively reported to credit bureaus. XXXX XXXX XXXX XXXX ( XXXX ) did not initiate the credit reporting, the servicer did - but the loan was transferred to collections after credit damage was already done. This violates required due diligence procedures under 34 CFR 674.45 because I was not notified prior to default. I am requesting : -Removal of default status -Deletion of negative credit reporting -Restoration of the loan to good standing or discharge -Documentation of delinquency notices allegedly sent -Review of servicer actions State : Florida
Frequently Asked Questions
What is Complaint #18154238 about?
Complaint #18154238 was filed against Heartland Payment Systems INC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-12-04T12:00:00-05:00.
How did Heartland Payment Systems INC 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 Heartland Payment Systems INC?
Yes, visit the Heartland Payment Systems INC company profile at readthecomplaint.com/company/heartland-payment-systems-inc 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.