Here is what has been reporting on my equifax credit report : Type of account : open ( incorrect information ) Date opened : XXXX/XXXX/2012 ( as per XXXX XXXX and XXXX records and XXXX XXXX Bank, the account was bought on XX/XX/XXXX,2012, then the initial notification letter did not go out until XX/XX/XXXX,2012, this is well beyond XXXX days after XXXX started furnishing negative information in my credit report without my knowledge. This is a clear violation of regulations. ) The due balance was also being misstated. I have tried to get the record straight multiple times and no official verification or proof of documents come from XXXX and still my credit report keeps getting the bad end. I demand full deletion of credit line from all credit bureaus before I commence the legal battle on this.