My question involves collection proceedings in the State of: Oregon
I live in Oregon and had an automobile that I leased from American Honda Finance (AHF) in Washington State. I negotiated no fees, no down payment and no first months payment when I got the car. I made 36 payments to American Honda Finance and paid the last payment in May of 2019.
In June, 2019, my credit report was updated to list the lease as paid off. Then in September, I looked at my credit report and now AHF is listing the car as 90 days late. When I finally get in touch with AHF, they say that it is for late fees and other fees but nothing to do with the payments. All the payments were made to AHF with maybe two payments made 30 days late.
I've filed a small claims case (yet to be served on AHF) for violating the FCRA and Oregon's Fair Debt Collection Statute 646.639(2)(n). I'm reading the FCRA, but it doesn't specify (that I can find in the PDF) what specifically can be reported to the credit reporting agency.
I've never had a late fee reported to the credit reporting agency. Let me be clear, I'm not disputing the two 30 day late payments, I'm disputing the reporting of a fee imposed for being late.
Can they report these fees (the only thing outstanding) to the credit reporting agency as a late payment? Reporting it 90 days late after they reported the account closed?