You can always call the companies to ask about changing the high balance. If that doesn't work then a gw letter might.
Is ING the CA for Macy's? Do you know if they bought the debt or if it was just assigned? If not, I would call up Macy's and ask them. If the debt was only assigned, they may agree to take payments directly from you instead of through a CA (I recommend this if possible).
If ING is the CA, they cannot control how Macy's is reporting (unless they are maybe an in house CA which I kinda doubt)......only Macy's can.
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