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old information added to credit report
On 11/13/2013 a creditor added COL to my payment history back in 02/2007 on my Transunion report to a paid, closed, current account (paid 2007) causing it to be listed as an adverse account. This account had never shown anything less than pays as agreed on Transunion. On Equifax an earlier report shows a 30 day late 02/2007 & a 120 day late 06/2007 but no collection, and pays as agreed. Experian did previously have a note in payment status "paid, was a collection account" with no collections showing in payment history here either, but this was remove in 2012 through a dispute. I filed a dispute with Transunion but the representative didn't seem interested in my problem. She claimed the account was only late not a collection. She told me to write the creditor. I sent all the information showing this account had neve been a collection account & the dates of the first late payment, and asked that the inaccurate, newly added, outdated infomation be removed. The creditor wrote back that they were "unable to update your credit report as requested." and gave no explanation. Why are creditors out to hurt the consumer? What can I do about this? It doesn't seem to me they could legally add this information to past history.

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