My last payment to XXXX XXXX was, by their records, XX/XX/XXXX. Therefore, the account would have been 30 days late on or about XX/XX/XXXX. They did not charge-off account until XX/XX/XXXX. My date of first delinquency should have been the date I made my last payment ( XX/XX/XXXX ) and should be erased from my credit report. XXXX XXXX is using the charge-off date XX/XX/XXXX ( almost one year after I made my last payment ) as the date of first delinquency, and therefore this negative account is scheduled to remain on my report longer than it should. I have disputed this repeatedly with Equifax and XXXX XXXX, providing both the account payment history XXXX XXXX provided me.