On XX/XX/XXXX I requested validation of information on my credit files and to have inaccurate information removed. The car company was paid off in full they are still reporting negative information on my report. I have documentation where my insurance has paid them off after a head-on collision. I was in a payment plan paying off the debt. After the payoff, they raised the car over XXXX from where the debt had been paid down. I have documents to provide. Other companies are reporting duplicate accounts for the same dept. which is inaccurate. I have information reporting over seven years Lastly other companies for which I have never done business are on my report. Negatively reporting information on my credit report.