I 've disputed this entry several times about incomplete and inaccurate information being reported..I personally contacted original creditor and was told he no longer had files and or paperwork to substantiate or verify my claims of inaccuracy..so with that being said how is my disputes being returned as verified ... .Although original creditor is reporting a XXXX balance/charge-off at most it should be showing paid/charge-off because I sent in photocopies of receipts that showed I paid this account in full thru the party it was outsourced to. Original creditor told me he could n't make any changes cause he no longer had my files .... ( I spoke with a XXXX XXXX of XXXX XXXX the branch manager at XXXX )