There is a paid collection listed on my report from Equifax with XXXX XXXX as the original creditor for {$140.00}. I never sent the payment to the collection agency ( XXXX XXXX XXXX ), I paid XXXX XXXX. XXXX XXXX sent me a letter stating that the account was pulled back from the collection agency by them and that the collection agency can no longer report it. I sent proof of the payment and the letter to Equifax, along with the other two bureaus in the form of a dispute letter. XXXX  and XXXX deleted the account. Equifax did not. 

The FCRA states that information reported must be accurate and complete ; updated and verifiable. It also provides a dispute mechanism initiated by the consumer through the consumer reporting agency and through the furnisher of information. 

As detailed above, I have disputed the information for the referenced account, with both XXXX XXXX XXXX and Equifax directly. I have exhausted all recourses provided for resolution of erroneous information and still the information remains on my Equifax consumer report. The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violations of its provisions. 

It is evident that the information reported can not be verifed because the payment was not made to XXXX XXXX XXXX, and therefore must be deleted as required.