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Investigation took more than 30 days. The XXXX XXXX XXXX XXXX is showing 4 late payments on my credit report. These payments were not late, but connected to an old account. The payments would go out and come back after the 30 day period. We've had several loans when XXXX and the issue appeared to be that the incorrect accounts were listed on payment so they would come back and we had to resubmit. I didn't realize they were filing them late as the XXXX rep with tell me that everything was fine and I assumed that meant these payments weren't reporting incorrectly as late. I contacted them and they did not know how to fix.