I am having trouble with XXXX XXXX and how they reported to the credit bureaus from XXXX. We had an agreement with XXXX to make fixed monthly payment on one of my accounts. I followed the agreed terms faithfully and made on time monthly payments. They however reported to the Credit bureaus that I was over 120 days late for the period in question. Attempts to speak with someone at XXXX have been futile with every rep saying that the time frame in question is too far back and they can not verify this information. The information they sent to the bureaus is wrong and they refuse to correct it. This has greatly hampered my ability to get favorable terms when I apply for credit.