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Incorrect information on credit report | I opened a bank account with XXXX XXXX XXXX XXXX & They Credit Reports Go Through Equifax. & They Have My Birthday Year Wrong But Saying I Do n't Have Any Credit History. How Can I Change That & Where To Send My SS Card? Birth Certificate & My Licenses To Confirm My Birthday Is XX/XX/XXXX and Not XX/XX/XXXX .. I Need It To Be Done Asap So I Can Build My Credit To Get An Appartment. |
Disclosure verification of debt | I have a list of XXXX companies that are reporting the same debt on my credit report and its affecting my score. the companies are XXXX XXXX XXXX, XXXX XXXX XXXX and Harvest Associates INC. they all say I owe XXXX XXXX Hospital |
Cont'd attempts collect debt not owed | chase bank has continued to send me letters, stating XXXX that I do not owe, it has been sent to a collection agency, I have been told that I will not be able to have any other bank available to me. unless this debt is taken care of |
Managing the loan or lease | We had a Bank of America home equity loan protection plan, that they cancelled without offering anything to fall back on. How can the bank we have our mortgage and home equity loan through, just cancel it without helping the customer 's find another protection plan, or other alternative. Thank you. |
Credit reporting company's investigation | I disputed a credit discrepancy on my Transunion account against XXXX XXXX on XX/XX/2016 and by XX/XX/2016 the account was not removed in accordance with the law. I call the bureau and they still did not remove this account. |
Loan modification,collection,foreclosure | I have applied for a modification with my mortgage company and I 've being getting the run around for about 2 years now. Now they are saying I need to restart the process. The modification was requested because of the passing of my wife. |
Incorrect information on your report | There are many mistakes appear in my report without my understanding. |
Unable to get your credit report or credit score | Equifax is not providing free credit reports. I made attempts for a copy of my report as well as placing a credit freeze and received messages that those tasks could not be processed. I need to ensure the protection of my personal information, now. How can we do this. |
Improper use of your report | I am a victim of fraud and have since put a fraud alert on my file..I recently took a look at my credit reports and saw a overwhelming amount of inquiries that I do not recognize nor do I recall authorizing..I stated my concern to all three credit bureau 's through a complaint with the BBB to no avail in regards to having the inquiries removed. |
Credit reporting company's investigation | I have disputed all inquiries on my credit report and Experian has failed to provide me within the time frame allowed ( 30 days per FCRA ) any updates on these inquiries that were not made by me. |
Incorrect information on credit report | I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2010 |
False statements or representation | I received a letter claiming that I have unclaimed property on a debit card account thru XXXX Bank. I have never had an account with XXXX nor havei ever heard of them. They said that if I do n't contact them by XX/XX/2016 Indiana will claim the amount. I do n't know wwhat they are talking about. |
Incorrect information on credit report | Trans union is reporting XXXX has an open account with a balance of {$9100.00}. This is incorrect. This debt was discharged in bankruptcy XXXX XXXX, 2015. They do correctly show the bankruptcy but the account is closed with a zero balance. |
Billing disputes | Bank of America says that they offer their customers a {$0.00} liability on unauthorized charges, but they hold me responsible for unauthorized charges and are in the process of wrecking my credit by reporting me as delinquent on fraudulent charges. |
Disclosure verification of debt | I noticed a debt on my credit report, so I contacted the company and wrote a letter disputing the debt as not a valid debt. I waited the 45 days they stated it could take to resolve or investigate the debt, but never received any media from the company and has now taken almost XXXX as long as they company stated and still have not received any letters nor have they removed this debt. |
Improper use of your report | Equifax did not take the necessary steps to protect my PI and, when my information was breached, took longer than an acceptable amount of time to disclose it. In addition, they are providing credit monitoring services for only ONE year, while automatically enrolling people who sign up in their paid monitoring service after the free term is up. This seems as if they are trying to take advantage of people who they put in a terrible spot already. |
Attempts to collect debt not owed | I sent a direct dispute to XXXX and it was removed from my credit file. I also sen t one t o XXXX and was told it was removed but the company keeps adding it back. XXXX gave me your number so that i contact you and let you know that they keep readding the charges. |
Incorrect information on your report | I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : CBNA Account # : XXXX I was never late 30 days late in the month of XXXX 2017. I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement. |
Improper use of your report | My personal financial information was compromised during the security breach of millions of people 's information at Equifax in XXXX 2017. |
Problem with a company's investigation into an existing issue | i received a letter from citibank regarding debt protection which i never enrolled in because if i did i would have certainly used it but the link for the refund is not valid and there is no other information to contact them on the letter I would like to file for this refund XXXX XXXX |
Incorrect information on your report | I filed a complaint against this company a few weeks ago and they responded stating that the information thats being reported on my credit was inaccurate and that they would be requesting to have it removed ; however, that information is still being reported on my credit and its causing my score to drastically drop. I need this fixed ASAP! |
Attempts to collect debt not owed | I dont know who this company is they are mailing me letters and calling me on my cell i dont know who they are |
Customer service / Customer relations | on XXXX XXXX 2014 synchrony bank put a hard inquire on my credit report without my consent i have never tryed to get anything from synchrony bank |
Attempts to collect debt not owed | I am writing to you in reference to the company Afni, INC. My credit report says that I have an account with them that was opened XX/XX/2016. I have never opened an account with the company. The account number they have on file is XXXX. The account is not mine. I have tried numerous times to dispute this account with the credit bureaus and they will not take it off of my credit report because the company is still falsely reporting this debt. |
Incorrect information on your report | I recently checked my credit report and saw fraudulent accounts. I been making multiple attempts to contact hem they 're constantly changing there point of contact which is making it had to contact them. Meanwhile, they are reporting inaccurate accounts with proper validation and in violation of section 609 of the Fair debt collecting Act. |
Incorrect information on credit report | My lien was paid and released in XXXX 2015, I sent in documentation per the Mississippi Dept of Revenue website that a paid lien can be removed from my credit bureau report. I sent in the lien release form as well as printed documentation from the website and they still refuse to remove the tax lien. |
Cont'd attempts collect debt not owed | I received a letter in the mail from Caine & Weiner on XX/XX/2017. The letter claimed that that I owe XXXX {$520.00}. I do not owe XXXX any money. I called XXXX to verify that no one opened an account in my name. XXXX confirmed having no record of me owing them any money. |
Unable to get your credit report or credit score | I obtain my free annual credit report from XXXX XXXX and XXXX online. After answering questions from Experian, the website denied my report. Experian questions included entering a city I previously resided that included my current city. I check the current city and Experian declined my report. The ID check should not include trick questions. |
Loan modification,collection,foreclosure | JPMorgan Chase Bank , N.A . XXXX XXXX XXXX, XXXX, OH XXXX. Notice of Substitution of Trustee was filed XX/XX/2015. On XX/XX/2015 lender did n't get order and has not moved forward. The homeowner has been gone for over a year & the property is in bad shape. Would like to know why it is taking so long to foreclose on this property. The HOA is having to report the property to the City to see if they can do something. |
Loan servicing, payments, escrow account | XXXX Transfer my loan to SLS. SLS does not acknowledge my XX/XX/XXXX payment, I did make my XX/XX/XXXX payment and I have not received any statements since XX/XX/2016. Similar situation happen when XXXX transfer my mortgage to XXXX, and that episode ended in a fraudulent foreclosure. |
Incorrect information on your report | I paid this account in full but when I checked my credit report it is still showing that my balance is {$1000.00} and that it has n't been updated since XXXX XXXX, 2016. I have received my title for the vehicle which further indicates that the loan is paid in full. |
Incorrect information on credit report | There is a legal item listed on my credit report that I paid and is listed as paid but I can not seem to get anyone to help me take care of it. |
Communication tactics | State Collection Service Inc. hung up on me after I tried to provide them information regarding why my mother did not owe the bill they stated she owed. XXXX Collection Service Inc. does not provide an email address to speed the communication process, XXXX has to communicate with them via postal mail. |
Improper use of your report | XXXX leaked my social security number and personal information to hackers. I risk getting hacked. |
Attempts to collect debt not owed | I filed Chapter XXXX bankruptcy on XX/XX/XXXX. This debt was listed on my Chapter XXXX bankruptcy.The debt was discharged on XX/XX/XXXX. The debt was purchased by this bill collector and they are attempting to collect a debt that has been discharged. The case was closed on XX/XX/XXXX. |
Incorrect information on your report | Experian does not have my address showing in XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX That should be under Address year at address XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Leasing Office # XXXX |
Loan modification,collection,foreclosure | Ocwen Financial is in dishonor for not responding to qwr letters. they are sending us pre-foreclosure letters, they will be committing fraud upon the courts.
I am seeking a Quiet Tittle Action. all foreclosure proceedings for lack of standing under numerous consumer violations |
Incorrect information on credit report | For some reason Experian always hinders my credit score. My score with XXXX is XXXX as of XXXX/XXXX/2016. I was talking with XXXX Bank and they reported a XXXX score by Experian.That is XXXX points less. This happens with a regular basis and consistently holds back minorities ability to purchase a home.Consumer Financial Protection needs to look into why is there such a discrepancy. |
Incorrect information on your report | There are several discrepancies that are showing on my credit report that and five by student loan 's. Each credit report is showing a different amount I need all of them to reflect the lowest amount and I 'm also requesting not Verification but validation. |
Closing your account | On XXXX XXXX, XXXX I submitted correspondence to Barclays Bank Delaware because of suspected fraudulent activity by the bank. They have refused to address my concerns by remaining silent and have continued to seek payment and report missed payments on my credit reports hurting my scores. Attached you will find the letter I submitted to Barclays Bank Delaware on XXXX XXXX, XXXX. |
Communication tactics | The account was opened in XX/XX/XXXX. The company has continue to call me and also send threathening letters to me in regards to this debt. I explained to them numerous time that this account was paid off by the gap insurance that I purchased. The car was a total lost after Hurrican Sandy and it was paid off by the car insurance and also the remainder was paid by the gap insurance. |
Making/receiving payments, sending money | I received several errors and miss matched info and as well devices not working properly or sent to the wrong addresses, thru the company of first data. As I had to dispute and spend time and money on these mistakes made by the company as well as a return label, thru first data of XXXX XXXX XXXX Nd XXXX bank. |
Improper use of your report | Equifax mishandled my private information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website. The breach happened in XXXX and Equifax did not notify anyone quickly enough. In addition, they admit that they will not notify everyone which is morally wrong to all affected persons. |
Incorrect information on your report | XXXX XXXX as an account under my name and i do n't know about that account, it is not mine, it is affecting my credit score. I 'm a victim of fraud. On my credit report appears more account that i did n't know about and another phone number that is associated with my social security that is not mine. My phone number is XXXX. |
Problem with a credit reporting company's investigation into an existing problem | I have been disputing with credit reporting agencies of XXXX XXXX XXXX account for the amounts of XXXX and XXXX. I 've been a victim of fraud for about 10 years and every year, I am fighting battle of accounts that not mine. XXXX and the credit reporting agencies refusing to show me my signed signature opening an account or proof of my identity opening this account. |
Written notification about debt | I never received anything regarding my collection and I am seeing a coolection on my credit report |
Communication tactics | I was looked up on XXXX by one of their agents ( XXXX XXXX ) and then I was called at my NEW PLACE of employment! He said I was his Academic Advisor and he needed to talk to me .... This is false. |
Unexpected/Other fees | After talking to an XXXX XXXX employee and answering my question in regards to my contract, the employee stated that the contract would end and payments would cease at the end of the agreement. This was over XXXX months ago and I just realized that I 've been paying on a membership I thought had ended. No form of information was handed to me to tell me otherwise. |
Incorrect information on your report | This account was paid off in 2014. I have asked that this be removed from my credit report. |
False statements or representation | Financial Recover Services, in the attached letter, claimed that I owe in excess of {$400.00} for debt relating to a " XXXX Credit Card ''. I have never possess a XXXX Credit Card, and this may represent identity theft. If this claim adversely affects my credit rating I would like to seek damages. |
Managing an account | capital one is blocking me from enabling external applications |
Account opening, closing, or management | I would Like to file a complaint on bank of America On XX/XX/XXXX I sent a request for them to investigate a authorized credit inquiry on my XXXX and XXXX report I sent in a copy of a police report explain that I was a victim of id theft. Bank of America never replied back the inquiry was Pulled on XX/XX/XXXX |
Attempts to collect debt not owed | The account was closed XXXX. We hired a creidt couseling agencies. The debt was paid off in XXXX.
I recevied a phone regarding a unpaid debt. I have no knowledge of this debt. The representative stated I made a payment in XXXX. I ask for verifcation. I have not received a response.
The phone call are non-stop everyday. I need help |
Disclosure verification of debt | Received correspondence from XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX have a second address on form of XXXX XXXX XXXX, XXXX TX XXXX phone number XXXX - stating that they are collecting a debt from original creditor college loan corp/XXXX. Total due {$10000.00}. This is not my debt and they will not provide me with documentation about this debt. |
Attempts to collect debt not owed | Every month I get my credit report. I discovered that my credit was pulled by a company called Performant. I did not authorize this company to pull my credit. |
Getting a loan | I took out a student loan to attend XXXX in XX/XX/2011, after deciding to withdraw from the program I cancelled the loan before it was disbursed, which in turn made me liable to the school for a bill/ loan I do n't feel obligated to pay since the school used misleading information to boost enrollment. |
Dealing with your lender or servicer | I keep getting calls about my student loan when the statue of limitation is up. This loan is still showing on my credit report. I called and tried to make several payment arrangements and I could n't afford the payments that were offered. I also am aware of a recent lawsuit that was taken out on the loan provider for those same issues that were affecting me. |
Incorrect information on credit report | Completed chapter XXXX and paid off taxes, both state and federal. I have contacted XXXX and my report still shows liens by the FED and State. |
Cont'd attempts collect debt not owed | An automated caller keeps calling my cell phone and my work number saying I must call back today about " sealed documents. '' When I called back today, XXXX XXXX said he was from Concord Resolution and said I needed to speak about " sealed documents. '' He would n't give me information in regards to what the debt was nor would he send me the proper paperwork about this so-called debt. He also said there were XXXX numbers on file for me!!!!! |
Problem with a credit reporting company's investigation into an existing problem | Capital one was notified by me about 2 cards I have with them. I paid the cards off. Now they are maxed out. Each card has two account numbers, wrong information, wrong telephone number, billing info incorrect, and lot of charges that do not belong to me. I do not want negative remarks on my credit report. |
Attempts to collect debt not owed | I do not have a signed contract nor any contract with AR RESOURCE INC. I have never done business with this company. I am not liable for collection from this debt from AR RESOURCE INC. I am not responsible for this debt with AR RESOURCE INC. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida. |
Improper use of your report | I gave permission to XXXX XXXX XXXX to run my credit for a car loan, I did not and was not told my credit would be ran XXXX times on XXXX XXXX and XXXX times on XXXX. I was under the impression they run your credit XXXX time and use that report with potential lenders. I was not made aware my credit would be ran and hit my credit report that many times! |
Incorrect information on credit report | The first one is with an alarm company that my husband included in his bankruptcy. So now the put it on my credit as a delinquent account. The other one is with a mortgage company, I paid the account in full XX/XX/XXXX and is till open in my credit report. |
Credit reporting company's investigation | I sent them the document in this complaint and I got the letter from them dated XXXX XXXX. I then called them om XXXX/XXXX/2017 and they told me my document that clearly states that I paid it in full, was not good enough. I called the XXXX and told them what had happened and they were baffled that it was still on my credit report. They told me to write a complaint to you. |
Improper use of your report | I have filed multiple inquiry letter with all XXXX credit bureaus regarding false information on my credit reports. I do not recognize various inquirires on my report and no one will do anything about it. I have been having a terrible time getting through to the bureaus regarding this issues, as well as them returning letters about not deleting information off my report way before the 30 days is up. I am extremely upset about this that no one will help me! |
APR or interest rate | I have a Capital One Credit Card with a promotional period of zero percent. Nowhere on my statement does it remind me of the pending expiration of that promotional period, neither does it state anywhere on my online account summary, and I had to initiate a chat session to find out when my promotional period expires. No explanation was given as to why this information is not readily available on demand. |
Identity theft protection or other monitoring services | TransUnion charged me {$5.00} to temporarily unfreeze my credit report.
This occurred on XXXX XXXX, 2017 On the web site it is listed as a free service. |
Shopping for a line of credit | This Company uses many different names XXXX and XXXX quicken loans, Quicken loans has obtained or attempted to view all XXXX credit bureaus on more than 6 times unauthorized. |
Credit reporting company's investigation | I have been contacting Equifax since XXXX XXXX, 2016 to have a credit inquiry deleted. XXXX XXXX and myself have contacted Equifax numerous times to have the inquiry deleted. Equifax refuses to delete the inquiry despite having received all of the necessary paper work and electronic requests. It has been more than 30 days and I also have not received a response to Equifax regarding my first intial request for deletion. |
Dealing with my lender or servicer | This is the second time this has happened. My 3.120 % fixed interest rate was raised in error. Without looking at the promissory note, the agent insisted that it was variable. I had an extra {$3.00} showing as past due. This easily could have affected my credit if I did not catch it. |
Incorrect information on credit report | There is a judgment on my credit report which does not reflect as being satisfied. To date, XXXX and XXXX have completely removed the judgement from my file. However, Equifax has not removed this from my credit file although the judgment has been satisfied. |
Cont'd attempts collect debt not owed | Calls from " Harris and Harris '' a debt collector. XXXX I called this number XXXX/XXXX/2016 to tell them I owe no one, they hung up on me. |
Shopping for a loan or lease | CHASE AUTO MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT |
Problem caused by your funds being low | My account went overdrawn and I have never had a refund on this account before, I called tcf and asked for a credit of the nsf fees and was given two credits for {$15.00}. I feel tcf intentionally charges customer overdrafts and never wants to reverse any. I have called 4 times and just do n't have the time to continue to call. I just got back to work from being off medical and do n't intend to overdraft again |
Can't contact lender | Company XXXX is calling me, my family members, and my friends. They are indicating I have some type of loan due however, can not produce a statement but instead keep directing me to a website. I have no idea what this is and they are calling me and my family multiple times a day and it is harassment at this point. The number they call from is XXXX. If I do have a debt, then they are in gross violation of debt collection practices. |
Incorrect information on your report | There are many mistakes appear in my report without my understanding. |
Loan servicing, payments, escrow account | I closed on a home in XXXX of 2015 with a XXXX loan. The contractor was negligent and the original lender WesStar Mortgage ; now with XXXX. XXXX is refusing to honor the original bid. |
Incorrect information on your report | Violates Hippa and CRA.
Police report # XXXX XXXX |
Loan modification,collection,foreclosure | - We purchased our family home located at XXXX XXXX XXXX XXXX in XXXX XXXX in XXXX. We have resided in our home as our primary residence since that purchase. We fell behind when the business owned by XXXX XXXX went under in XXXX. The XXXX 's financial sit |
Incorrect information on credit report | Filed a complaint with Equifax stating account with XXXX was included in 2010 Bankruptcy and to show account closed. Equifax can see my bankruptcy information because this is a public record included in my credit file. They still show account open.
I filed this information last year and they still show this incorrect info in my file. |
Incorrect information on credit report | there is a spelling of my name that is wrong. also it has an address Iv never lived at in there |
Cont'd attempts collect debt not owed | ERC, XXXX XXXX XXXX, XXXX, XXXX is trying to collect a debt never owed, claiming it was to XXXX. My XXXX account is paid in full and has been. The account numbers do not match, but they threaten to assume it is a valid debt if I do not contact them in 30 days. They are scamming me and I want it stopped, I also do not want my credit impaired by them, and I would like full charges pressed against this company. |
Credit reporting company's investigation | Experian Information Solutions failed to block fraudulent information being reported on my Credit Report dispite my police report and fraud affidavit previously sent to them as well as the creditors. The accounts are as follows, Experian Report # XXXX 1 ) XXXX Bankruptcy Court 2 ) XXXX XXXX XXXX |
Improper use of my credit report | The information on my credit report is wrong.
I paid all my accounts, I have submitted letters and documents, over the past year, They have done nothing with this.
They should be made to take this bad information off of my account, he is hurting my life |
Credit reporting company's investigation | Requested to have inquires removed |
Problem with a credit reporting company's investigation into an existing problem | I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report. |
Can't repay my loan | Navient is constantly harassing me and refusing to lower my payments to meet my income. |
Incorrect information on credit report | They keep verifying that a dismissed chapter-XXXX bankruptcy in my credit report is mine and they are wrong. They are not verifying or investigating this information, this belongs to someone with a similar name but it 's not mine. I need this item removed at once from my credit report. |
Improper use of your report | There is a hard inquiry from XXXX XXXX made on XXXX XXXX, XXXX. I did n't authorize this inquiry. I do n't have or have never been interested in XXXX XXXX. It appears on my Equifax credit report. XXXX XXXX has no automated option to speak to someone about credit inquiries. Selecting any of the other options will not get me to anyone who can help. All calls to Equifax have been met with " your call can not be completed at this time. '' |
Managing the loan or lease | I took a loan out of {$1000.00} and was told I would repay {$1300.00}. I have now made XXXX payments and my first payment was for {$500.00}, XXXX payments at {$290.00} and XXXX payment for {$320.00} so now I 've paid {$2000.00}. This transaction approval for funds was before signing and not knowing they were going to charge me thousands.complaint : Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX. XXXX XXXX, XXXX, MI XXXX |
Problem with a credit reporting company's investigation into an existing problem | TRANSUNION, XXXX AND XXXX TOOK 45 DAYS TO INVESTIGATE XXXX XXXX AUYOLOAN NO.XXXX.
THIS VIOLATES THE F.C.R.A. CONSUMER PROTECTION LAW 'S. |
Incorrect information on credit report | An unauthorized and fraudulent credit inquiry is listed on my Experian credit report from : XXXX, XX/XX/2017, the credit inquiry do n't belong to me. I am a victim of identity theft and have been a victim of identity theft for over 10 years. |
Attempts to collect debt not owed | CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT XXXX XXXX ACCOUNT # XXXX AND INACCURATE LATE PAYMENT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX |
Problems caused by my funds being low | PNC Bank has been charging our family overdraft fees of {$36.00} for paying the item and XXXX days later the items paid are returned to the merchant an a reverse item fee of another XXXX is charged to our personal and business accounts. |
Cont'd attempts collect debt not owed | This company is reporting an amount due to the credit bureaus for an amount that I do not owe. My cell phone bill was paid in full with XXXX when I chose to switch providers. |
Incorrect information on credit report | I have XXXX accounts that are the same. Both XXXX accounts are the same and even have the same account numbers with XXXX different status.
I have a XXXX account that is more than 10 years old and should be deleted. |
Cont'd attempts collect debt not owed | this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this account should be removed from my credit report and all collections efforts should cease. |
Incorrect information on credit report | My name is XXXX XXXX XXXX not XXXX XXXX XXXX |
Loan modification,collection,foreclosure | ocwen offered modification which when it was said and done made our monthly payment go up not down.and made it a 40 year loan from a 30 making it impposible to ever pay it off .we ended up short selling the house from not being able to keep up the payments.we applied for other help but where denied every time.we feel ocwen preyed opone our weakness and took advantage of us. |
Incorrect information on your report | the XXXX XXXX late payment is wrong. i have not been late.
ask XXXX XXXX XXXX |