XXXX failed to honor their settlement agreement terms after sending me a settlement letter and my paying them based on their agreementMy account is still shown as STATUS : Charge OFF - Paid for less than full amount, lateThe attached letter from XXXX clearly states that if I pay the offered settlement, my account would be Settled with {$0.00} Balance. Nowhere in the settlement letter does it say " Charge Off, Paid Late or Paid for less than full amount '' It simply states if I make the payments which I did, my account with be Settled in FullThat is how my Credit files should be shown under STATUS. but they are not. 

I have intiated investigations by all XXXX bureaus only to be told they checked with XXXX and XXXX tells them " charge Off '' is the correct status. 

I was either fraudulently lied to by XXXX to pay a debt under the pretense of getting my credit files improved to fix my damaged credit after XXXX years of unemployment from the recession ; or Someone XXXX XXXX that interacts XXXX Credit Bureaus is lazy and does not read the settlement letters. 

Bait and switch, which is offering one thing and then giving the person something else is fraud. I was offered one thing, I paid, they reported something else. 

Please have them change my files with the three bureaus