I have disputed an account listed on my credit report with XXXX at minimum 4 times. I have filed a CFPB complaint at minimum XXXX times. So far XXXX as repeatedly failed to comply with the law. The most recent illegal reporting has adjusted the Date of Last Default on an account to reflect a date that is completely invalid. Specifically, on my credit report an XXXX account currently shows with a last reporting of a late payment/charge off on or about XX/XX/XXXX. That is in fact completely inaccurate and not even remotely accurate. Specifically, the account also shows as a bad debt. However, per a letter dated XX/XX/XXXX that I have provided to EquiFax no less than XXXX times, and which on page XXXX clearly states " We last reported the status of your account to the credit reporting agencies as a charge off account, closed by the credit grantor. However, with the update to your account and its balance, it will next be reported as a satisfactory account, closed by the consumer, with a {$0.00} balance. '' This letter is signed by XXXX XXXX of the Customer Advocate Team and was filed with the CFPB in response to complaint XXXX on or about XX/XX/XXXX. EquiFax has repeatedly ignored this documentation an d mis reported the debt. EquiFax is the ONLY reporting agency that has refused to acknowledge, review and respond to the information. I have attached a screen shot of the account as listed on my EquiFax report, a copy of the letter from XXXX XXXX. At this point failure to correct errors WILL result in legal action.