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Information is not mine. Full detail provided in below attached PDF document. I accessed my free Experian credit report on XXXX XXXX, 2015. Prior to that date I had last looked at my credit report for refinancing my home a couple years prior. In the past XXXX years my credit report has reflected a FICO score of XXXX or higher, and is something I take very seriously and work hard to maintain. Thus when I saw that my credit report showed a past due account for which I was totally unaware, and which adversely impacted my FICO score, I inquired with Experian for detailed information on this past due account as I assume that it is incorrectly posted to muy account. I sent Experian a consumer inquiry via their webiste input screens as I assumed that the past due account was incorrectly posted