Disputing a late payment reporting. What counts as "proof'?

Question

I am disputing a account that has a "Late payment" reporting.  I foolishy wrote down the confirmation in a notebook, and have lost track of it. I know it was paid, and the account shouldn't be reported as over 60 days late.  I am doing my best to find any proof. I know I called the creditor on a speific date before the payment was due, and was talking to them for a few minutes.  I pulled my telephone records, and it does show I called the creditor,and talked to them for 18 minutes, yet before I found this, the creditor said they couldn't see a call was made to them.  I also have a "payment allocation" paper they sent to me that says a transcation for "$100" dollars was made on 03/18/2015, and my phone records have the phone call taking place on 03/17/2015. I just found these documents a day ago.  I don't understand how a phone call wouldn't be recorded, but yet it shows on my phone bill that I talked to them for 18 minutes. I googled the number, and it was the creditors number.  They have said i never did talk to them ,but that was before I went through my phone bill. Do i have anything worth sending them to show that what they have told me isn't correct? 

Answer 1

mnl wrote:
So how are they allowed to make errors, but if we do, then there are problems? Navient(Sallie Mae) told me 2 times that they reviewed the call logs, and there records didn't show a call at all. Was told they looked thoroughly, so obviously they didn't, or there is a issue with their system. Proof of the phone call shows that there is a error on their end/system makes errors, if there is one error/mistake, then that shows more errors could happen on their end. I went through bank statements, and it shows for 03/18 , which is the same day the phone call took place (Which I have the phone bill)  Bank statement shows on 03/18: 147.20 MERCHANT PAYMENT AT LOC 360 12061 Bluemont Way Reston VA Looked this up, and it's Sallie Mae/Navient. I don't have a voided check. I paid by phone.  The phone bill, and bank statement is all I have.  I've read online about how Sallie Mae/Navient has lost peoples payments, and made errors just like this plenty of times. Ridiculous.   You're absolutely right. The debt collection industry essentially wrote the laws (FCRA and FDCPA) with some input from  lawmakers - or to put it another way, the lawmakers wrote the laws with a great deal of input from the debt collection industry. So while there are *some* protections for us, the deck IS stacked against us to a great degree. The only defense we really have is to learn how the system works, both for and against us, in order to play this game on as level a playing field as we can possibly make.