I recently applied for a personal loan with a bank I have done business for many years. 
My load approval was rejected based on information contained within the credit report from Equifax. Reason stated serious delinquency, time since delinquency is too recent. 
The bank gave me the agency that reported this information. I contacted XXXX XXXX XXXX company an ask to speak to a supervisor about the information reported. I was informedmy payments were not submitted on the due date an were reported as 15 -30 days late for several months. After reviewing my account they determined my payments were made in advance of the due date but within the same month and therefore when the due date arrived it was reported as nothing received. It is not that payments were not received in advance of the due date, but the posting did not show early payments in theresystem. I ask if they could contact the credit bureau and have the delinquency statement removed. They told me nothing can be done. My complaint is I have been charged withnumerous delinquent payments each month when in fact I not only paid the amount due each month I paid more than the minimum and long before the due date. They do not dispute this statement and thanked me for being a good customer, but there is nothing they can due to change this reporting. I believe this not only to be unfair reporting, but has greatly affected my overall credit score reducing my score very low. I want them to contact the agency and remove all this information.