Equifax Credit Reporting Complaint

Equifax Credit reporting department,

Incorrect information on credit report Account status Kentucky

A - credit card account became past due and was settled in -/-/-. I paid the settlement agreement in full and received a tax form for the written off portion of balance that I paid taxes on. In -/-/- I called - and offered to pay the remaining portion of the balance that was written off so they would update my account to 'Paid in full ' as opposed to settled. They agreed and took my payment and updated the verbiage on account. What they did n't tell me is they re-opened the account status for credit reporting status to show late payments of 120 days plus for almost 2 years prior to the payment of the amount in -/-/-. I specifically asked the agent at the time of offering to pay back the portion that was already settled and written off if this would jeopardize my reporting on credit in anyway and they assured me it would not. I remember specifically asking them if it would because I would rather not pay that portion and leave the account be if it would cause further issues. Basically they updated the verbiage but then updated my account with credit bureaus to


the date I called in and made the payment to them just to update the verbiage on trade line. I did this because I work as a loan - and wanted my credit profile to be as clean as possible. In attempting to better my credit and right a wrong - has extended the damage to my credit on an account they settled. My request is to have the account removed from credit profile as the account has not been active for over - years. They have been paid in full and I maintain a credit and checking account with them now with excellent history. I placed a dispute with Equifax and they came back and said - did not agree to remove. I have called - probably a dozen times over the past - years and tried to get them to help and the department that handles this told me they agreed with me and that the account should be removed but due to a dispute with another department on how it should be handled they cant remove it. This is been ongoing for - years. They said it 's not high enough priority to get the dispute resolved internally on how it reports. This is damaging my ability to get low rates on credit and costing me money over their petty internal dispute it sounds like to me. Any help is appreciated.