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Difficulty submitting a dispute or getting information about a dispute over the phone. XXXX XXXXXXXX XXXX indicated to me that they have merged my information into old information from 15 years ago. Told me they can not verify my info. I paid a XXXX charge off trying to clean my credit. They are reporting incorrect into to all three major credit bureaus and they all are reporting incorrect and different information. I have disputed to no avail.