Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to the XXXX XXXX XXXX XXXX Charge OFF account for the balance of {$6300.00} on my Equifax credit report as XXXX XXXX. This account has been a Charge Off account on my report for over 7 years and I have not made any payments to this account in over 7 years ; nor, have I ever authorized any payments to this account in over 7 years, thus the XX/XX/XXXX payment that XXXX XXXX XXXX XXXX is reporting that I paid is fraudulent. The accounts I had with XXXX XXXX XXXX XXXX were a checking and savings account that I had not deposited money into for well over 7 years, and I had a Refinance Car Loan account. I had not deposit any money into the checking and savings accounts in well over 7 years therefore there was not any money to draw a XX/XX/XXXX payment to this Charge Off account and I have never made nor authorized a payment to this Charge Off account. All payments for the Refinance Car Loan account were made directly to that account. Even the total loss insurance payment of over {$8000.00} that I received from my insurance, The General, in the winter of XXXX due to the car being wrecked and deemed a total loss was paid directly to the Refinance Car Loan I had with XXXX XXXX XXXX XXXX ; and, I paid the remaining due balance directly to the Refinance Car Loan account. Once XXXX XXXX XXXX XXXX received the last {$300.00} payment from me in Spring XXXX for the remaining balance of the Refinance Car Loan, they ( XXXX XXXX XXXX XXXX ) closed all accounts I had with XXXX XXXX XXXX XXXX and the Refinance Car Loan account was marked as paid and closed. Again, I have never deposited any money into the checking and savings accounts I have with XXXX XXXX XXXX XXXX in well over 7 years so, there was no money to draw a XX/XX/XXXX payment from, I have never made a payment to this Charge Off account in over 7 years, nor have I authorized a payment to this Charge Off account, thus the XX/XX/XXXX payment is a false fabrication and blatant attempt by XXXX XXXX XXXX XXXX to not have this account removed from my Equifax credit report. I am both disgusted and appalled at this illegal and deceptive behavior of XXXX XXXX XXXX XXXX. This charge off account was reaching it's 7th year of reflecting on my Equifax credit report and in a attempt to extend the time that it reflects on my Equifax credit report, they fraudulently fabricated a record of a XX/XX/XXXX payment that I never made, and submitted the false and fraudulent record to Equifax in response to my previous dispute fraudulently showing a recent XX/XX/XXXX payment, but they did not include the form of this fraudulent XX/XX/XXXX payment in their records they submitted to Equifax because I never made, nor authorized a payment to this Charge Off account in over 7 years, and it would reveal their fraudulence. This account has negatively reflected on my Equifax credit report for over 7 years, has now unlawfully exceeded both the State of California and Federal limits and must be removed immediately. If this charge off account is not rightfully removed immediately as the law requires, I will be suing XXXX XXXX XXXX XXXX for their unlawful and fraudulent practices, and for damages as my credit score has dropped another 34 points directly as a result of the fraudulence of XXXX XXXX XXXX XXXX 's reporting of this charge off account thus, illegally and negatively affecting my quality of life.