I settled a deb with XXXX XXXX XXXX XXXX XXXX in XXXX 2014. They reported this to the credit reporting agencies. Both Transunion and XXXX do not have updated information on this debt, which should be noted as " legally paid for less than the full amount, settled '' to be fully FCRA compliant, and this should be dated from the time the debt was settled : XXXX 2014. Instead, this shows 'charged off ' and this is showing up as a charge off on successive months on my credit report. 
