In XX/XX/XXXX I checked my FICO score through my XXXX account, which provides this score as part of their services. I was surprised to see, after months of working on improving it, that I suddenly had a " serious delinquency '' on my credit score. I checked my credit reports on XXXX and noticed that Trans Union listed a consumer loan from XXXX XXXX XXXX XXXX that had been paid off in XX/XX/XXXX, as being 120+ days past due. I called the credit union, which told me to dispute it through the credit bureau and that they could n't do anything on their end. I disputed the information on Trans Union and when I checked my score on creditkarma.com it appeared to be resolved. This morning I checked my FICO score on XXXX and noticed it 's at XXXX, yet XXXX has it as XXXX. I thought my dispute had taken care of removing this incorrect information in XXXX. Furthermore, I checked my FICO score on XXXX in XXXX and now they too show this account from the credit union on my credit report, which is causing my score to drop more than XXXX points. I am reaching out to you because I have NEVER had an issue like this with regard to my credit report and am quite frustrated with this situation. I understand that sometimes mistakes are made, but this XXXX is getting worse and is repeating itself.