In XXXX XXXX, I negotiated a full settlement of my credit card account with XXXX Bank XXXX for less than the full balance. XXXX informed me and confirmed in writing that my credit report would show no delinquency, but would only state, " Legally paid in full for less than total balance ''. In XXXX, I received my credit report and the XXXX credit card was shown as a delinquency. I called XXXX and they removed this inaccurate information. Nevertheless, in XXXX XXXX, I received a new copy of my credit report and XXXX again showed up as a " Negative '' account and showed a delinquency.