The creditor is XXXX from XXXX, DE. I did default on this loan and it was charged-off. I did recently paid this debt in full at the full pay off amount of {$1300.00}. Prior to me paying this debt off, I found out this debt was being reported as the following : On my XXXX credit report, it shows as being charged-off, but the account name shows XXXX/XXXX. I never had a loan with XXXX XXXX. I 'm not sure why this is even listed. There 's no information showing on my XXXX credit report. On my Transunion credit report it shows the account as being open, with a 90 day past due status. If a creditor saw this they would think the account is still open. There is a lot of inaccurate information on my credit reports. Also, prior to me paying off this debt with XXXX I sent a certified letter to XXXX XXXX as that was listed on my credit reports ( I found out they handle lots of accounts including XXXX, again I signed a contract with XXXX, not XXXX XXXX ) wishing to settle this debt in return for possibly deletion of the negative information from my credit reports. I never got a written response from this company, so I called them, they stated they do not settle accounts and I ask if I would get something in writing and they said " No '' .So I contacted XXXX directly and just paid the debt. This is why I 'm contacting the Bureau of Consumer Financial Protection so I can be assured that I will get a response and update to my credit reporting issue.