My credit is over 700+ with Experian . Experian I have become fond of in resent months and gained great confidence in. I intentionaly too dont include XXXX as a reciever of this filed complaint. The company Experian alone has very good resolve in making things right when compared with XXXX as well as the other credit reporting companies. Other credit reporting agencies whom right now can not even seem to get simple thing like my date of birth right. 

The information being reported on my Experian, while large improvements have been made now only very few things remain problem for me. Two points remain unresolved. 

1 ) XXXX the derogatory information. Regarding XXXX currently being reported on XXXX and Experian and XXXX it is not reporting accurate. Fraudualent reporting from XXXX I perceived. XXXX is failing to disclose all facts and payments made XX/XX/2018 totaling OVER {$13000.00} in XX/XX/2018. This is the TRUTH. I attach evidence that I paid to XXXX in XX/XX/2018, the sum of {$13000.00}. TSurley public reading this compalint on the gov web site will agree such a payment is commendable, for a person to be able to pay this. Thats not bad credit. 

The XXXX statement shows this payment too. Currently in contrast the credit is reporting I paid {$0.00} in XX/XX/2018. My credit is reporting 30 days late, and that infers that I Paid {$0.00} in XXXX. Addition to XXXX, is my XX/XX/2018 payment too. {$2800.00} to XXXX. Again in XX/XX/XXXX, XXXX is reporting {$0.00} paid in XX/XX/XXXX on credit too. This is false fraudualant reporting. In XX/XX/2018 my XXXX Card was paid in full. 

The XXXX XXXX reporting claims " 30 days past due.. in XX/XX/XXXX and XX/XX/2018 but reports no truth of circumstances or of the facts Payments being made. It is being reported inaccurately, due to what I have now been informed by others in XXXX USA based opperations what may just be a " communication break down related to cultural understandings '' The XXXX XXXX based off shore team, responsable for truth in reporting - - simply do not understand it is a lie to somenone in USA reporting {$0.00} paid when ver {$130000.00} was paid is un-true, and missleading reporting. What is being asked of the off shore team is to report some payment was made. As a USA company, XXXX has chosen to NOT employ Americans any longer in their credit reporting division. That is at their discretion as a company, I certainly have no cultural prejudice. This complaint is without prejudice. Various requests have been made to XXXX, to simply report the factual truth. The resonders are not getting the point. 

In truth there was a verbal agreement made between myself and XXXX to pay the card. And I did pay " as agreed ''. It is not being reported that way. It needs to be corrected / expunged from record. I did pay " as I agreed to pay '' on a RECORDED phone line with someone who sounded to be from XXXX, from what I perciece could only be the alleged XXXX " XXXX based '' off shore team. It is true - I Did not comply with the terms of XXXX " card agreement to " pay in full ''. But that's not the point in this case ... nor is it appropriate for XXXX to reply, citing I did not pay card " in full '' or that XXXX can't make exceptions to the reporting. The off shore team, regardles of what country they are from does not understand USA as much as a USA based person does. The off shore team is not reporting my credit with the facts, and fail to see the affect that has on someone in USA. The fact is - - I did pay down the card during the time period. To report NO PAYMENTS MADE {$0.00} ... as XXXX is in my case, it is reporting a misrepresentation of facts and false reporting on my credit file. 

I simply request truth to be reported. And the truth is - that I did pay, and certainly not {$0.00} as XXXX off shore team is inaccurately reporting. Its says {$0.00} paid. That is not true! 

2 ) Lastly - XXXX account negative info need to be expunged, it is a business card, not a consumer card. See attached letter and picture evidence. 

3 ) Income atttached to declare income on experian credit report improves my income to debt ratio. 

4 ) XXXX XXXX is paid in full, the credit report is not reflecting this. XXXX XXXX statement attached.