I recently pulled my annual credit reports and I noticed that an account ( XXXX 's XXXX ) is listed as an adverse account because of XX/XX/XXXX late payments. The late payments are for XX/XX/XXXX and XX/XX/XXXX with the remaining payments being paid in full starting XX/XX/XXXX. I believe this is quite disingenuous for TransUnion to claim that this account is " adverse '' when it 's been paid in full for over the last XXXX years. I know this has had a negative impact on my score and believe this should be corrected immediately.