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Their investigation did not fix an error on your report. My name is XXXX XXXX, I am an elderly man with resources. I have employed business managers and worked with personal bankers to insure my affairs are not out of order. However even though I have done my very best to insure that i am insulated from mistakes that can occur, one can not completely protect themselves from mishaps or fraudulent activity. The late payment appearing on my Chase credit card account is not my fault it is the result of both a mishap and fraud.