I ran my credit report in XXXX and saw that XXXX was reporting that I had XXXX late payments even though I had settled the account and was paying XXXX a monthly payment and was never late. I contacted XXXX and they said they had made an error and would correct it. My bank told me to wait XXXX months knowing I had XXXX until I had to move, so that the credit report would update. When he re ran it today the late payments were still on there. When I contacted XXXX, after being shifted to XXXX different departments and back to the Debit collector I was basically told that even though I was paying the people that bought my account on time XXXX continues to report it as late payments. I explained that I would be homeless and was told tough luck