The creditor ( XXXX XXXX ) had agreed to remove the late payments from my account. After 2 months, they still were n't removed. I filed a dispute with equifax and in the process the creditor updated the information and my credit report was updated correctly. 30 days later Equifax put all the negative information back on my report and the creditor had not sent anything new in. I provided them with the mortgage verification showing that I have no late payments and they still want me to redispute the item and wait another 30 days. This is not fair and it 's damaging my credit for no reason.