My credit report is absolutely perfect, other than this error, showing a 30 day past due payment on a XXXX XXXX card through XXXX XXXX. I am not a slow payer or having financial difficulties. There was an issue with my checking account, where the bank mis-posted a cash deposit to the wrong checking account. This caused my XXXX XXXX payment to bounce and I went past due because they had the wrong phone number on file for me and could not reach me. Since I live in the XXXX, I only get my mail weeks later. When I found out about the issue, I immediately made payment and advised XXXX XXXX of the bank issue. I disputed this with XXXX XXXX and they refused to fix it. I had my bank send them a letter explain that it was not my fault. I thought that with this letter XXXX XXXX would have cleared up the matter, but I just pulled my report and it is still on there. When I called XXXX XXXX they said that even though I attempted to and had all intentions of paying and was victim of a bank error, they will not correct my credit bureau. I am not asking anyone to fix something that was my fault. If XXXX bank causes an issue, that should count. They claim they are not permitted to change the reporting unless it was their error. I just do n't believe that is a fair practice and I suspect that is not a rule they apply consistently because others, report on line that having proof of a bank error should and does result in the credit bureau being corrected. I do n't know what to do next, but try this route in hopes that you agree that I am not being treated fairly. I do n't have documents available to me, because I am in the XXXX and my paperwork is in the XXXX. I will be visiting in the next few months and can get the docs out of storage if needed.