XXXX debt was paid in full and is closed. XXXX collection agency has reported to Equifax many times this account is NOT a charge off. I have filed over XXXX online disputes on this debt and me made several phone calls to Equifax to have this resolved. I even signed up for their paid credit monitoring service and during the time of my service my credit score has decreased. They continue to attempt to sell me other credit products and also continue to report false/inaccurate information.