Can the bank report unpaid late fees on a loan to the credit bureau as the account being delinquent? No pyramiding or conflict with Reg AA has occurred.

This is a website for consumers Anon. Your question appears to be from a banker.

Please go to www.bankersonline.com and post your question in the Bankers Threads.

If it considers the late fees as an amount past due, it may be reported. The Fair Credit Reporting Act isn't specific that I recall as to what constitutes what is "past due."