In a recent review of my credit reports I noticed XXXX XXXX XXXX had placed several 30-60 late payments marks on my credit reports resulting in negative tradelines and significantly lowering my credit score by XXXX points. Perplexed as to how XXXX was furnishing this information to the credit bureaus as I knew it to be incorrect, I contacted XXXX with my concerns re : the late payments. After speaking with several reps re : this matter, I was informed that XXXX had been applying miscellaneous fees and charges to my account offsetting my monthly payment and only applying partial payments to my account as if I was not making my monthly payments in full every month. I was also informed there had been missing payments in the past on my account resulting in more derogatory information being supplied to the credit bureaus. Infuriated by this new information, I explained to the reps that I had never been late nor had I missed any payments, and all my payments had been paid in full based on what was due in my monthly statement. I also explained that I had a trail of receipts in the form of emails, screenshots from my smart phone, and my bank statements showing these payments were made in full on time. I then inquired as to why this had never been brought to my attention in the numerous conversations I have had with XXXX reps in the past and no rep could explain to me what the problem was. This was XXXX of the many issues I have had with XXXX reps. Every time I have spoken with a rep it has been nothing but inconsistent, incorrect information. After speaking to the last XXXX reps XXXX ( XXXX ) in XXXX, XXXX, and XXXX ( XXXX ) in XXXX, XXXX and inquiring about the discrepancies with my account, I asked if there was a higher division or department where I could speak to someone directly since no one at the basic phone reps level could assist me further, I was told no, there was no one to speak to directly regarding my dispute on my account and issues regarding this matter and it would have to be escalated to customer care via mail only. I inquired once more to see if I could get a phone number or even a fax number and again there was nothing to be provided and I just have to mail in my concerns. I was beyond angry with this information. How could a company this big not have any direct contact information for matters of this nature. Credit is extremely important in this day and age and to not have any one or any department to directly assist with credit disputes is completely unacceptable. To date XXXX has placed XXXX late payments on my credit reports which has severely damaged my credit. At this time I am requesting XXXX to thoroughly go over my account, find where the mistakes were made, correct the mistakes, and update my credit reports with correct information.