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Account status incorrect. Exeter Finance has engaged in willful, knowing, and repeated violations of federal law by misreporting a legally settled and XXXX account as derogatory, " charged off, '' and " settled for less than owed '' despite a signed settlement agreement, full payment, issuance of a XXXX ( Cancellation of XXXX ), and their own internal records confirming a {$0.00} balance. After I formally disputed the inaccurate reporting, Exeter maliciously verified the false tradeline as " accurate '' not once, but twice in XXXX and XX/XX/XXXX and added the intentionally misleading remark " Consumer disputes after resolution '' in a blatant attempt to fabricate closure where none exists. Exeter Finance 's conduct is not negligent ; it is calculated, reckless, and performed with full