I disputed XXXX reporting XXXX accounts on my Equifax credit report. It has been verified that these items are accurate. XXXX XXXX XXXX is in violation of federal and state law for inaccurate reporting. Both accounts with XXXX XXXX XXXX were marked 120 days past due in the payment history which is impossible because they are a collection agency not an original creditor it is also reporting as a factoring company which is impossible as well because factoring companies only by open debts not charged off accounts. Due to their unlawful credit reporting they have jeopardized the integrity of my credit history by causing my delinquency to appear more recent and the debt is over 4 years old. Please remove this inaccurately reported items from my credit report immediately.