Incorrectly reported current month leading to incorrect DOFD.

[baruke1]

The creditor is reporting that I was current in febuary of 2019 when in fact it was not. This is leading to a DOFD that is years later than in should be. I have disputed it directly with the company but they state that the DOFD is correct. I have records of my payment history and this account was absolutely not currect since 10/2016.

I am trying to figure out a simple way to use the payment history to prove that the account was not current on the days reported and correct the correct DOFD. 

[gdale6]

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@baruke1 wrote:

The creditor is reporting that I was current in febuary of 2019 when in fact it was not. This is leading to a DOFD that is years later than in should be. I have disputed it directly with the company but they state that the DOFD is correct. I have records of my payment history and this account was absolutely not currect since 10/2016.

I am trying to figure out a simple way to use the payment history to prove that the account was not current on the days reported and correct the correct DOFD. 

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Since you have already challenged it with the creditor themselves with no action your next step is to file a CFPB complaint and upload your evidence and demand that it be reported correctly or deleted.

[baruke1]

Thank you! I submitted the complaint this morning. Hopefully this works.