XXXX XXXX XXXX XXXX listed collection accounts on my credit report for XXXX XXXX on XXXX XXXX, XXXX. However they listed the original reporting date as XXXX XXXX, XXXX. When I called XXXX XXXX XXXX XXXX ( XXXX ) I spoke with XXXX XXXX a Collections Representative on XXXX XXXX, XXXX he indicated the actual debt occurred in XXXX XXXX and had already been paid by XXXX my auto insurance carrier under my personal injury protection ( PIP ) coverage in XX/XX/XXXX. I then spoke with XXXX XXXX XXXX XXXX for ( XXXX ) and he advised me of the same. However this account was actually paid prior to it being updated on my credit report on XXXX, XXXX which they knew false information was being provided to Transunion. However I did notice the changes to my credit report until I checked on XXXX XXXX, XXXX through XXXX XXXX XXXX. Transunion failed to calculate the timeliness of this reporting as being out of the statue of limitations for the State of New Jersey which allows a XXXX ) SOL on all debts. Also this debt involves medical information, Transunon requires me to contact a special handling person in order to discuss or file any disputes as they see them as frivolous or being done by a third party credit repair company. I check my all XXXX of my credit reports monthly and these collection accounts was never reported until XXXX XX/XX/XXXX. 
XXXX has agreed to delete the accounts as they are not accurate as they have admitted and XXXX XXXX asked me why it took XXXX so long to pay the medical bill and I reported to him that was a question for XXXX not me. According to the FCRA : Duty to Correct and Update Information - If at any time a person who regularly and in the ordinary course of business furnishes information to XXXX or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify allCRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). 
Transunion also had an obligation under the FCRA to report accurate information in which they should have questioned the update status as they collection accounts never appeared on my credit report until XXXX XXXX.