Contacted XXXX XXXX to dispute reporting " unpaid '' collection and charge off {$360.00}. I 've written and mailed XXXX, proof of paid settlement offer to XXXX ( their collection agency ). This was done XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. They continue to " Promise '' to update the report as paid but still shows error since XXXX as a charge off. I 've contacted XXXX XXXX and Experian every year since XXXX XXXX, XXXX. I 'm unable to contact Experian XXXX/XXXX/XXXX to dispute my report, even though I was given until XXXX/XXXX/XXXX to XXXX again submit proof.