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Old information reappears or never goes away. To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX is reporting a collection amount of a {$0.00} balance and was paid in full as agreed. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that thi