Credit card — Bread Financial Holdings, Inc. (MA)

You never received your bill or did not know a payment was due. I discovered that XXXX is reporting 30-day late payments on my account # XXXX for XX/XX/XXXX and XX/XX/XXXX. I was shocked to see this because I believe I made my payments when due. At the time, I was going through serious medical emergencies related to XXXX and my checking account was also temporarily blocked by my bank due to fraudulent transactions. These circumstances may have prevented proper processing of my payments, but they do not accurately reflect my payment intent or history. I believe these late notations are inaccurate and unfairly damaging my credit report, in violation of FCRA XXXX ( b ) which requires maximum accuracy in reporting.