I spoke to a rep over the phone and told her that I have disputed the XXXX account before and has come back verified. The rep stated she will submit a request and make sure to add that this account is not an unsecured account and the company will have to either update it to reflect wha the account really is or delete. I have previously sent in disputes as well disputing that I do not have an unsecured loan with XXXX XXXX XXXX. I sent in verfication from XXXX XXXX XXXX bwith documentation from the creditor that is not an unsecured loan. The results came back as paid and closed. No one is addressing that the account is reporting incorrectly. I do n't have an unsecured loan with XXXX XXXX XXXX. According to the Fair Credit Reporting Act that the credit reporting agencies provide you in the credit report that is sent out in the mail. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within XXXX days. However, a consumer reporting agency may continue to report information it has verified as accurate. XXXX XXXX XXXX did not verify that I have an unsecured loan with them. I called XXXX XXXX XXXX XXXX/XXXX/15 at XXXX ext XXXX, spoke to a representative that stated the reason the credit report is showing XXXX XXXX is because they do n't have any other options to choose. The explanation that I was given of this action that has taken place on credit report is not my fault and supposed to be removed for reporting false information.