About two years ago, i reported information about an account that had been paid in full. I submitted my check showing the amount was paid. The CRA were reporting it in XXXX places. Once as XXXX XXXX and then as XXXX. The payoff was made to XXXX which brought out XXXX XXXX. This negative information was taken off. I applied for a car loan and rec 'd approval for 12 %. knowing that can not be right, I checked my credit report only to find that XXXX XXXX and XXXX had reinserted the information again for the same XXXX debt with a deletion date of XXXX but a recent reporting date of XX/XX/2013. In order to be clever to say they complied with FRCA, they put down that it was disputed. Since the debt appears twice, which one is disputed and since I proved that is not owed, why did they put it in my report again? CRA says I can not sipute agin becuase it has been investigated once before. Holy cow-are they just that stupid or just corrupt. This is a nightmare phantom bill that will not go away unless I decide to sue which is becoming more likely. can you get an answer for these people on why they put that information BACK on my credit report with an obvioulsy false reporting date to make it look recent