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Reporting company used your report improperly. ability recovery is report incorrect information which is fraud they fraudulent place information on my credit knowning it was fraud. i have never a had a contract with this company or any dealings with this company they have no sign agreement with this company. this was already remove from my credit before for inaccurate information they have fraudulently place it back on my credit with a fraudulent amount on my credit fraudulent date showing open account.and them being the origanal crediort with is all fraud and place it on my transunion report .knowing it was fraudulently.