I'm not sure if I am posting in the right place or if this should go to the Lending forum, but here goes.

If a loan has reached maturity (let's say it was a car loan, so 60 months) and has, over the course of the loan, incurred multiple late charges which would leave an outstanding balance that "extends" the loan, can the outstanding balance be reported as delinquent? It is my understanding that it cannot be as it stemmed from late fees and you cannot report them to credit bureaus as delinquent. My trouble is finding a specific citation that says you cannot do this.

Does anybody have any ideas or suggestions? Not sure if my question makes sense the way it was presented.

thanks in advance.