I have a complaint against XXXX Credit reporting agencies XXXX and Equifax I have sent XXXX letters to dispute that I still Owe XXXX on A 6 year old XXXX XXXX account XXXX ) I had insurance on the card and the bank did Not Pay ( see XXXX class actions against XXXX XXXX Bank, I removed my self from all class action suites against Bank ) I owed XXXX from XX/XX/XXXX now 6 years latter they say I owe XXXX have it reporting current late and I am at 138 % of my credit line this is dragging down my credit score. I lost my Job and Wife in XX/XX/XXXX I had insurance on each card the Bank would not cover after I spent XXXX on preiums over 8 years ( XXXX ) cards Its just XXXX card they report like this also it is a card that the bank sent me a XXXX C in XX/XX/XXXX and stated as income not a debt so they take a write off and now place on my credit as being 120 days past due its been 6 years since I payed on this since the insurance was to coverPlease advise XXXX XXXX XXXX XXXX XXXX Fl XXXX