This is impossible because the company is no longer in business. Pretty clear to me that they did not verify this. They even went to the trouble of changing the account payment status to I-2 (30 days past due) from I-1 (pays or paid as agrees). How can I be 30 days past due on a loan that was paid off 4 years ago and never was paid late to begin with. In your opinion what is my next step to resolve this? Also, I have another item that was verified(and it is accurate). It is a collection for 59.00 for an electric bill that I never paid. I paid it off when I saw it on my credit report. Due to the small amount they wouldn't negotiate for removal. This one account is the #1 reason my credit score sucks(at least for my experian report- 620). I am to the point that I am ready to hire an attorney and sue the electric company for reporting false information to a credit bereau. The account is listed as an installment loan with a status of I-9(Paid charge off). I probably wouldn't win but maybe the threat of a lawsuit would get them to remove the entry. I moved about 6 times in two years and only had this electric service for 3 months. The last bill never made it to my new house that I was at for about 3 months before moving again. I have some money I am willing to throw at this problem and again appreciate any comments about what steps I could take to resolve this. It happened about two years ago(thankfully experian updated the last reported date to 5/01 so it looks like it just happened last month). So it will be on my reports for another 5 years if I don't get it removed. That is unacceptable. Thanks, John.