I have disputed this with Equifax XXXX times now and they are not correcting the information. There is an account with XXXX that is showing 120 days past due - Paid in full. How can it be paid but past due at the same time? Its not 120 days past due. I 've explained it to them several times - over the phone and in writing and they will not correct it. The person I spoke to on the phone even said it does n't make sense, but they would have to re-send it electronically to XXXX which is what they said they did the previous XXXX times. This is effecting my credit score. I do n't know what else to do. They ca n't by law report erroneous information and their investigation process is horrible. There is no way I should have to dispute the same information XXXX separate times for almost a year with nothing being done. Please help. Can I sue them? They are responsible for reporting correct information and Equifax does not seem to take that responsibility seriously.