I have disputed with Experian and Equifax and they both state that the creditor keeps stating that reports are accurate. Can the creditor keep reporting the account as open and delinquent while it has been placed for collection? Can the creditor report this account 3 different ways to each agency. I am afraid to write to FTC because the balance owed is a large sum and the SOL to collect (4 yrs in my state) has not passed. I am afraid that further challenging the creditor will result in judgement or wage garnishment. Does anyone have any advice?