Before I file a lawsuit against XXXX my lawyer advice me to try to resolve this amicable via the Bereau of consumer Financial protection. XXXX XXXX XXXX XXXX has been harassing me since late last year on my credit reports on XXXX & XXXX. ( 15 United States Code section 1692d ( 2 ) ). I have been in contact with them multiple times sent certified letters to them as well on XX/XX/XXXX. Last letter I received said " Based on the information you provided we have instructed the credit bureaus to delete the above reference XXXX account from your credit file. '' But no action was taken my credit report from XXXX XXXX XXXX currently still shows XXXX XXXXAccount NumberXXXXAccount Type XXXX Installment XXXX Terms XXXX 1 Month XXXX ; Date OpenedXX/XX/XXXXAccount Status XXXX Closed XXXX Payment Status XXXX Paid XXXX Payment Status s Updated XX/XX/XXXX Balance {$0.00} #. XXXX violated 15 USC 1692e ( 2 ) ( A ) by falsely reporting the legal status of the account as " Installment. " #. XXXX violated XXXX XXXX XXXX ( XXXX XXXX by communicating credit information which is known or which should be known to be false, by reporting the account as " Installment. " #. XXXX violated 15 USC 1692e ( 10 ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as " Installment. '' or " terms '' I never entered into terms with them. All I ask if for them to delete this account of my XXXX and XXXX credit report.