I have an installment loan with Toyota Motor Credit that was paid off in 1996. It isn't a collection account and I paid it off when due but I had a hard 3 month period in the middle of the loan. Equifax shows it as an I3 and I really feel that since it is paid off, it should show as an I1. I disputed the late dates and they were verified. Does the FCRA speak on this issue? Any advice? As always, I appreciate your comments.