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Their investigation did not fix an error on your report. I am filing this complaint against all three credit reporting agenciesExperian, Equifax, and TransUniondue to repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with a XXXX XXXX XXXX XXXX secured loan that was closed and paid off in XXXX. Despite multiple disputes and the submission of documentation, all three bureaus continue to report this account inaccurately and inconsistently : Experian shows a 7-month loan term from XX/XX/XXXX with all payments marked XXXX through XX/XX/XXXX, yet it still reports late payments in XXXX and XXXX the term ends. TransUnion reports a 60-day late status and derogatory comments, even though the balance is {$0.00} and the last activity was in XXXX. It also f