I had a XXXX at XXXX I could not pay XXXX all at once so I called and set up payments of XXXX a month which I have payed since 2012 I have not missed a payment. They send me a statement from XXXX each month showing how much I owe and thanking me for honoring my financial obligation, further stating since these arrangements were made for my convenience we ask you be promt and call if you ca n't. I am promt but they have reported this dept. My account is XXXX I pay this per my agreement and continue to pay each month I would like this removed from my credit report. I would understand if I did not pay the bill but I am paying.