I find myself fighting monthly with XXXX OF NORTH CAROLINA to remove their negative report from my credit report. I paid them in full in 2013. They promised to remove the negative report after the payment was received in full. I 've submitted the proper documentation to XXXX OF NORTH CAROLINA and the XXXX credit bureaus with no luck. I am in the process of rebuilding my credit and XXXX OF NORTH CAROLINA 's negative report is not helping my credit history. I was in a credit rebuilding program with XXXX XXXX for the last six months. XXXX XXXX was able to delete the negative reporting from XXXX OF NORTH CAROLINA for a couple of months. Now that I am out of the program I see XXXX OF NORTH CAROLINA reporting this month. I need for XXXX OF NORTH CAROLINA to remove their negative reporting from the XXXX major credit bureaus!