<prompt> Human: My family filled its new house last year with furniture from Conns Home Furnishings. After Hurricane Harvey came through, and we had to throw away everything, we paid off our accounts entirely. However, we had two separate accounts open with them. Conns applied the whole payment to an account with only 280 on it, and applied the rest as overpaid credit Approximately 4,000. Conns now a few months later has hit her credit as being delinquent on the other account for about 4,000. Her Credit Score dropped almost 150 points, and when talking to Conns they said the problem, if it was gonna be fixed, would be fixed in 3 months. What can we do about this? Is this the kind of thing where we need to sue the company? This was 100 in no way our fault, a mistake on their end. They had the money on the account to pay off both accounts in full. We are currently trying to get her car refinanced, and now the chances of that are completely out the window due to this. Thanks in advanced for the help!UpdateThank you everyone for the replies, I was under the impression that even if it was removed due to an error, it would continue to negatively affect her Credit for a while. While waiting 90 days however long it takes the Credit Bureau to fix sucks, I guess it seems to be the only course of action, besides going to CFPB.gov.  <response>: Visit CFPB.gov and file a complaint and explained what happened. This website reports it and sides with the complaint 90 of the time. They are required to answer within 14 days or they will be heavily fined meaning you will get a hasty response. 