Currently my XXXX XXXX Credit Report reflects 22 charge offs, my XXXX credit report reflects 21 charge offs, and my Experian credit report reflects 21 charge offs. These accounts date back to the years XX/XX/XXXX-XX/XX/XXXXand once they were paid in full I requested that they be closed. I personally contacted the creditors and requested that they send me letters to reflect that the accounts were paid in full which I have attached. I am requesting that the incorrect and outdated information regarding the charge offs be removed from all 3 credit reports. In addition there is a creditor named XXXX XXXX XXXX and I have disputed this account for years. Initially it reflected as XXXX on my credit report and now they are under this name. I have never took out any student loans as my parents paid for my college education. I graduated from XXXX XXXX  XXXX University in XX/XX/XXXX. You can verify this information by contacting XXXX XXXX   XXXX University at XXXX. I have tried several times on my own to dispute and remove this incorrect fraudulent information however, nothing has ever been done. If you need any further information from my as old credit reports dating back to the tears XX/XX/XXXX-XX/XX/XXXXI will be happy to supply them. Please feel free to email me at XXXX or call me at XXXX if you have any further questions.