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Difficulty submitting a dispute or getting information about a dispute over the phone. XXXX has made every attempt not to give me my credit report and charging me money without lettingCredit Report Summary Your XXXX credit file includes identifying information, trade line/account information, inquiry information, public record and collection information. Identifying information includes information that is used to identify you such as your name, address, Social Security Number, date of birth and employment information. This information is not used in scoring. Updates to this information typically come from information you supply to lenders. Trade lines are your credit accounts. Lenders report on accounts you have established with them. They report information including the type of a