I have disputed the XXXX account that is on my credit file numerous times with Equifax. They have refused to update the information causing my credit score to suffer. XXXX is reporting the account as a charge off with the amount. However when I disputed this item with XXXX they sent me a letter advising that they no longer own the debt and that it is owned by XXXX XXXX. If this is the case the account can not continue to be reported as a charge off. It should report as a transfer or sold. Equifax has completely ignored my request to dispute this information. Each time I 've disputed Equifax just comes back ans states the information has been verified.