In XXXX of XXXX, I was approved for a {$600.00} personal loan by the XXXX XXXX XXXX XXXX of XXXX, NJ. I paid the loan off in XXXX of XXXX, the final payment being a little over XXXX days past-due. That is how the account was reflected in my credit reports, until XXXX of XXXX, when all of a sudden, it started showing I was past-due XXXX days. The dispute number I cited above, which was for a dispute with Equifax, is one of several disputed I have submitted since I discovered this on my credit report. Each dispute has been to NO AVAIL. The continue to report the offending information and I keep hearing the same excuses from the credit union and the credit bureaus. The credit union says they took the necessary steps to remove the item and the credit bureaus INSIST that they only report what the credit union submits to them. I do n't know who to believe. By now, I am thoroughly frustrated with this highly impersonal and anti-consumer process, which has proven to me how powerless we are in situation like this. I need someone to SUPERVISE the provess, on BOTH ends, so this can finally be resolved. This has affected my ability to get cheaper credit, apply for work, or apply for an apartment rental. I am appealing to you as a last effort before I seek legal representation, although I feel I should n't have to. THIS IS A STRAIGHFORWARD CASE. What they are reporting is INCORRECT, and is damaging my credit score by approximately XXXX points!! Please investigate this and help me resolve this.