I have disputed with Experian and Equifax and they both state that the creditor keeps stating that reports are accurate. Question #1 Can the creditor keep reporting the account as open and delinquent while it has been placed for collection? Question #2 Can the creditor report this account a different way 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?