In a nutshell, I had a XXXX bankcard credit card years ago. Hit somerough times and could not pay, on time. I asked that account be closedI was offered a settlement. I was told that if I paid the agreed amountthat the account would be reported as " Settled in full '' to the creditreporting agencies. *SEE ATTACHED LETTER dated XXXX/XXXX/2013 XXXX. I paid them, per their terms, and received confirmation of acct. 
was settled. Two years later, while reviewing my credit reports, I seethat all XXXX CRA 's are reporting this NOT as " Settled in Full '', as were theterms, but are reporting : " charge off '', no mention of any settlement, and " settled for les than full balance ''. THIS IS NOT THE SAME THINGAS THE XXXX WORDS I WAS PROMISED- " SETTLE IN FULL ''. I did nonot agree to " settled in full, for less than full amount '', or any similar term. 
I called XXXX about this last week, and was told they have nothing to do with how the XXXX CRA 's report on this. This was a bold lie, as XXXXwould be the one to give the information out to TransunionXXXX. 
to release the information concerning payments.