I sent a recent dispute letter XX/XX/XXXX to the credit bureau about an item on credit report for the original creditor University XXXX XXXX Account. The dispute was initiated XX/XX/XXXX and the investigation was completed XX/XX/XXXX in the report number XXXX. I have previously sent in disputes as well disputing that I do not have an unsecured loan with University XXXX XXXX this account back in XX/XX/XXXX. I spoke to a supervisor today XX/XX/XXXX with Equifax dispute department by the name of XXXX XXXX ID : XXXX, I informed him that I sent a dispute in to dispute that I do not have a unsecured loan with University XXXX XXXX, but the dispute was sent in to dispute the balance. I did n't request that. XXXX told me that he see I requested for the dispute of the status of the account and where they disputed the wrong code to the company. He also stated that he see where I disputed the same issue back in XX/XX/XXXX and University XXXX XXXX verified that this account is an unsecured loan. I told the supervisor that is why I sent in another dispute because I have documentation from the creditor that is not an unsecured loan. I asked the supervisor, if I have documentation that this account is not a loan and the creditor keeps verifying it is, this is legal for them to report inaccurate information. The supervisor then told me that the company can report whatever they want ; we receive the information from the creditor. I do n't have an unsecured loan with University XXXX XXXX. According to the Fair Credit Reporting Act that the credit reporting agencies provide you in the credit report that is sent out in the mail. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. University XXXX XXXX did not verify that I have an unsecured loan with them. I called University XXXX XXXX XX/XX/XXXX at XXXX ext XXXX, spoke to a representative that stated the reason the credit report is showing Unsecured Loan is because they do n't have any other options to choose. The explanation that I was given of this action that has taken place on credit report is not my fault and supposed to be removed for reporting false information.