While not attempting to collect a paid debt, the collection agency continues to update my report with inaccurate information showing delinquencies after the payment date. 

I have been going round and round with Midland Funding and XXXX/XXXX with inaccuracies and errors on my credit report. I have tried phone calls, emails, faxes, direct disputes with the credit bureaus, and a XXXX complaint. 

After numerous attempts with Midland and XXXX directly, I filed a XXXX complaint in XXXX XXXX, information received from Midland on XXXX/XXXX/XXXX, rebuttal sent back on XXXX/XXXX/XXXX and a final response on XXXX/XXXX/XXXX. I received comments from XXXX on XXXX/XXXX/XXXX, sent a rebuttal on XXXX/XXXX/XXXX, and then a final response on XXXX/XXXX/XXXX. 

XXXX advised me to contact Midland, and Midland advised they were sending an update and to contact the credit bureaus directly. I contacted the credit bureaus and they advised to submit disputes, which I did and that 's make the situation worse. 

Midland is stating that they opened the account in XXXX XXXX, but XXXX sent me a letter stating that they did not sell the account to Midland until XXXX XXXX. Additionally, Midland is reporting differing dates of delinquency, etc. 

My husband is a XXXX veteran, and we are in the final stages of getting our VA Home Loan approved. Based on the inaccuracies with Midland Funding 's reporting, our mortgage " tri-merge '' is not coming through clean. We have XXXX bureau reporting XXXX as an OPEN creditor ( not collection agency ) that shows updates each month. This is a " Paid in Full '' account that was closed in XXXX XXXX, yet it shows " pays as agreed '' each month now. And even after these numerous updates, I now have a XXXX XXXX update on XXXX bureau that shows up as a Collection activity for XXXX XXXX ... again, on an account that was closed last year. This was again verified as " accurate '' today, XXXX XXXX, XXXX and shows XXXX days late for XXXX XXXX. ( see attached ) As these are both paid accounts, I am requesting your help in just having the account/tradeline suppressed or deleted in entirety immediately. I have tried to be patient and work through every option, but it 's getting worse and we 're at jeopardy of not clearing underwriting because of all this new activity. It 's causing fluctuations in our credit score and the underwriters are n't sure what the " accurate '' picture is.