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Information belongs to someone else. -- I spent time comparing and contrasting across credit bureaus and under several different programs. -I spent time identifying inaccuracies -I spent time checking the misuse and/or timeframes. -I spent time purchasing searching XXXX and XXXX on what to do etc. - I spent numerous hours with customer service representatives making provisions -I have spent time placing security freezes -I have spent time sending debt validation letters and inquiring how my information has been misused -I have spent time defending my name and trying to protect myself because of incorrect information. -I have spent time speaking and consulting with credit specialist -I have been denied goods & services causing me to take a deeper look into my credit -I received bill