This is a written dispute regarding a previous credit card account that reported me 30-days past due for one month 's charges. My recent credit bureau score report labeled 'Account 30 days past due ' that I am requesting to be reviewed and expunged. 
XXXX XXXX & XXXX : 30 days past due in XXXX 2013. This account was a part of my college loan package. Quarterly payments were made. There was miscommunication as to a late fee accrued of {$6.00}. I had spoken to them at that time regarding this late fee and avoiding being reported to the credit bureau. Large amounts of loan payments had been consistently made, I was not aware of the {$6.00} fee that was apparently accrued. The billing services did supposedly remove this fee at time of the quarterly payment, which was paid in full represented by the statement at that time. They did not subsequently remove the late notice and the time continued to accumulate, even though the quarterly statement was paid. They of course retained the idea they were not responsible for this error and unwilling to entertain any modification. The account was paid off and closed very soon thereafter. This is a perfect example of why millions of college students progress into more debt, dealing with loan companies with irresponsible behavior and now involving wasted work time and money of submitting a complaint. I did speak to this company directly, as well as submitting a complaint through the credit score bureau, neither of which providing benefit.