I have tried to dispute XXXX XXXX XXXX on my credit report. The information reported from this creditor is incorrect. I even contacted the creditor requesting documents and proof of this debt. When I call, they tell me to call back or the person/ department handling my account is not available. I did take out a loan from this Company, however what is on my credit is inaccurate. I can not even get access online for this account to review my balance, payment, loan documents, etc. I even requested a new password reset ; got nothing. All I need is for the company to prove this debt. I want to pay them back but do not agree with amount on credit report. I sent proof to Transunion of an email receive from the company stating I only owe the principal amount which is {$570.00}. When I took out the loan XXXX XXXX was charging illegal fees for a payday loan. I informed them of this, so this is when they wanted to settle with me to only pay the remaining principal balance. When I contacted Transunion ( XXXX attempts ), they have sent me status stating same result and nothing have changed. Their turn around time is like within 10 days or less. How did XXXX XXXX proof this debt to them to keep this on my credit report after letting Transunion know that I was unable to get prove the amount owed. I really do n't believe Transunion have investigate this issue. What is showing on my Transunion credit report is the account is charged off and I owe {$1300.00} from a {$700.00} payday loan. I made XXXX payment of {$120.00}, but then again on my credit report shows no payments made. I will need proof of this debt to pay it off. This creditor only shows up on my Transunion credit report. What prove did they provide to Transunion? They do n't even want to provide me with prove of what I owe. Please help, I really do not know where to go with this anymore.