In 2019, I initiated a cash-out refinance on my home with XXXX XXXX XXXX Due to an administrative error, XXXX XXXX inadvertently included a relatively low-interest XXXX credit card on the list of cards to be paid off and closed within the loan documents, so rather than scrap and restart the process, I agreed to close the XXXX account and have it paid off. After the refinance process was complete, I assumed that all accounts were successfully paid off and closed, until I received a call from a collection agency the following year regarding a debt owed to XXXX for {$220.00}. I contacted XXXX and explained the situation, and they agreed to disregard the additional interest charges and penalties and accept a payment of {$75.00} to settle the debt, based upon the original unpaid interest charge of {$73.00} on a final payout of {$6700.00}, which was apparently due to the fact that XXXX  received the payoff check from XXXX XXXX XXXX DAY after the final statement due date. Again, I thought that the matter and account were closed, but the following year, after being denied several applications for credit, I learned that the top of my TransUnion credit report highlighted my former XXXX account as an Account with Adverse Information with multiple delinquencies of 120 days following the account closure, despite all other payments on my entire credit report being on time. Upon contacting XXXX to request the removal of the Adverse Information from my credit report, I was told that when I created a XXXX XXXX  account to print off a final statement for XXXX XXXX, I allegedly agreed to only receive electronic communications from XXXX  on my soon to be closed credit card. XXXX could not produce any evidence of electronic notifications sent to me regarding the account or additional charges, but from my email records I discovered that the only email that XXXX had sent to me was a notice that my online account ( on my closed credit card ) had been suspended because I signed in from an unknown device. XXXX continues to deny that the Adverse Information on my credit report is inaccurate and misleading and refuses to have it removed, so it will remain there and ruin my credit report for XXXX more years. While TransUnion allows a consumer statement to be included on the credit report, it not only appears below the Adverse XXXX information, but its buried at the very bottom of the credit report.