The item in question is for XXXX XXXX XXXX, an old checking acct that went into default in XX/XX/XXXX during a job loss. The acct was paid in full XX/XX/XXXX. I am currently a member in good standing again with them. I noticed on my credit reports that after the acct was paid, the account is listed as a JOINT acct with my daughter, XXXX XXXX. The acct was set up in XX/XX/XXXX, my daughter was XXXX years old at the time, born in XX/XX/XXXX, & could n't possibly have been a true " joint '' owner. While at the branch discussing the acct, I was told that back then that is how they listed POD accts, as joint. So when it went into default, it went on her credit report as well, and has ruined her credit wrongfully. I went to the branch that I do business with, spoke with the mgr, XXXX XXXX, and was advised that he would look into it. No changes were made. I disputed the accts with all XXXX CRA 's, XXXX was the only one what was kind enough originally to address and remove the TL due to the unfortunate situation, XXXX removed after a CFPB dispute. After my EX dispute, the closed account has been " updated '' XX/XX/XXXX and has been closed since XX/XX/XXXX.