LJ Ross assoc has an account on my credit report from consumers energy in XXXX mi. from XX/XX/XXXX in XX/XX/XXXX they threatened to take me to court. It was for {$2000.00} with fees and interest it came to {$2600.00} so i took out a loan from my retirement fund and paid it off in XX/XX/XXXX.I am trying to clean up my credit report and asked LJ ross to delete the account, they said only if the original creditor asked them to delete it.I contacted consumers energy and they were willing to help me out and made a call to LJ ross. XXXX at consumers XXXX XXXX was refused. So i called LJ ross back and they said he did not ask them to remove it, XXXX called back and was very specific this time and was refused again, so for a third time i spoke with XXXX at LJ ross XXXX she again said that if consumers energy called them they would have the account deleted from my credit report, this time with in XXXX minutes i had XXXX from consumers call LJ ross and again he was refused. I never went to court I payed it off way before the court date came up.please help.Thank you