HSBC Credit Reporting Complaint

HSBC Credit reporting department,

Incorrect information on credit report Account terms Florida

HSBC has a derogatory account listed on my credit report. The account remarks state paid after charge off to third party collections. '' I called HSBC to establish a date of deletion and they informed me that they do not have any accounts details such as account number and date of deletion. It is my understanding that they ca n't report negative information to the credit bureaus if they do not have enough information to validate the account.