Business ProfileforService One Credit Union

So the account clearly says it’s closed and the agreement was we pay in full the guy ***** eye to eye hand shakes says u pay it off I’ll take everything off ur credit. My grandfather and I agree. Here it is 2023 and I’m still being told that it’s being reported on my credit as a very very delinquent payment. Somehow they keep reporting this and it’s hurting my credit. The car payment would have never been late but I had my son the day it was due a few weeks went by realizing we had not paid so I take two months in the past and the present Payment and then some how some where I got behind not understanding I call they inform me that the late payments go to the back end so every payment I was making was going to the rears of that payment so I was constantly behind and to be honest i know they didn’t list at least 2 payment so. I have spoke with ***** and his reply was o well I was late and yea we agreed but nothing I can do. All credit agencies that I have spoke with doesn’t fully understand y this hasn’t been resolved I litterly paid 14,000 for a car twice