XXXX XXXX Bank account # XXXX payment history is inaccurately reported. Certain early late payments are omitted in order to re-age the account and report to the credit bureau past the 7 year statute of limitation in the Fair Credit Reporting Act. 

XXXX XXXX reported to Experian that the account was opened XXXX XXXX with a {$500.00} credit limit. 
Between XXXX XXXX and XXXX of XXXX this account was reported as never late. 
On XXXX XXXX was XXXX time it was 30 days late. 
The highest principal balance that the account ever reached was {$380.00}. 
XXXX XXXX added LATE fees at {$39.00} and OVERLIMIT fees {$29.00} each month along with 30 % INTEREST. Amount owed rose to over $ 1,300.00Eventually XXXX XXXX filed suit in XXXX Court and agreed to settle the debt in full for {$850.00} ( see enclosed attorney receipt. 
This settlement was completed before the court hearing date. No judgment was entered. 
XXXX XXXX settled for {$850.00} because they could not provide a validation of the debt. 
DisputeXXXX XXXX refused to provide statements on the account from XXXX XXXX to present. 
On the statements I did find that the date of XXXX delinquency was XXXX XXXX, XXXX. 
XXXX XXXX charged late fees : ( see statements attached ) -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for $ XXXX for {$29.00} -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for {$39.00} -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for $ 39.00But NONE of these dates were reported to Experian. 
XXXX XXXX reported never late. 
By deleting the early late payments, XXXX XXXX could continue to report to credit bureau past the 7 year statute of limitations from XXXX delinquency date.