I was in a car accident in XXXX and my car was totaled. the insurance company, XXXX, issued full payoff in XXXX. XXXX XXXX XXXX XXXX reported XXXX more on time payments and then late payments and charge off / collections for more than XXXX years after. i disputed the account in transunion and they will not accept the letter from the insurance company that acknowledges the payoff. i can not get anyone to fix this mistake. the account was not a charge off and how can there be XXXX on time payments after the final payment date.\?