The collection agency, not the creditor, reported it anyway. The original creditor agreed that they would remove all negatives and sent me a letter to that effect. I sent it to all three CRA's who removed all negative references to this loan. The collection agency basically said drop dead - we have your money. The whole process took about four months. Now I find out that the CA has reported it again to all three CRA's. Do I just call the CRA's and tell them that it was resolved already or do I start the whole process over again? I can see this repeating itself over and over. Part of the delay stems from the fact that it takes Experion about two months to send me a copy of my credit report. How do I deal with the collection agency to stop them from reporting it again? I need to buy a new car in a few months and need to get this corrected. Any help would be appreciated. Incidently, the lesson here is to get it in writing when you are dealing with these slime balls.