A company I worked for had a business credit card account with XXXX Bank XXXX for 12 years. After 12 years of never reporting this information on my credit report, XXXX reported the account as a charge-off on my personal credit report in XX/XX/2015 without advising me first. I had never even opened the account. The Company paid and closed the account in full and XXXX and their collection agency indicated the information would be removed from my report or showed as Paid In Full with no derogatory information. The account now shows as paid but is reporting as derogatory still despite several calls and assurances from them this would be taken care of. I have exemplary credit besides this and it is impacting my credit. XXXX claims they have reported the information to XXXX correctly yet XXXX has not updated and will not provide any response.