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Difficulty submitting a dispute or getting information about a dispute over the phone. Attempting to file a complaint with Experian once again regarding a XXXX credit card they keep reporting a late payment on. The credit card has been in charge off status - it is past the legal time line for the company to attempt to collect what is owed, and that has been cleared up with XXXX. You have those documents between me & XXXX regarding them not coming after me for the debt. However, Experian is the only credit reporting agency that keeps reporting it as a late payment. XXXX has taken it off my report since they are no longer coming after me for the debt. XXXX doesnt even keep showing late payment. Its time for Experian to quit reporting it as a late payment making my credit report suffer. They