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Reporting company used your report improperly. My acct was with XXXX and I had a payment plan with them back in 2009. But I stop making payments because the school that I got the loan through which was XXXX XXXX ended up closing down and I found out that I couldn't use my certificate anywhere .Jobs and places was saying they needed more proof. so this have been on my credit all these years and now XXXX have sold my information to another company without my permission and they are calling me to still collect.