XXXX funding is currently reporting an old XXXX collection account 120 days late as of XXXX 2015 on my credit report. I have never made a payment on this account with XXXX therefore i can not have a payment history nor did I sign a contract with the original creditor. I called midland to dispute this information and I was told they do not report as late on credit report. I disputed the inaccurate information with Equifax and equifax said that XXXX validated the information. XXXX and equifax refuse to move the 120 day late on XXXX 2015. I have been back and forth with XXXX and Equifax and neither are helping. It is my understanding that collection agencies are not allowed to report monthly late payment history therefore I would like this deleted from my credit report because it is inaccurate. I would like XXXX and Equifax to provide me with all documents relating to this account, all payment history, original contract and NOT use the XXXX verification process as it is not detailed. I am attaching files showing that XXXX did indeed report the lateness andit is not accurate. This has been causing me numerous problems and I would just like to get it settled