<prompt> Human: So yeah. I paid off this debt in June of almost two years ago and the credit company has been updating the account every six months even though nothing changes except the date reported. This single item is the reason I cant get a loan to buy a car and its killing me. Is there any way I can get this removed without having to get a lawyer?  <response>: What exactly has this been updating? This is illegal if: They are updating the Date of First Delinquency. They are updating the amount you owe. They are updating payment history.It is not illegal if: They are simply updating the last report as paid, without changing DoFD, amount, or history paid or unpaid accounts will show on your report until 7 years and 180 days past the Date of First Delinquency, as defined by the FCRA.Which one is it? 