There are several closed XXXX XXXX accounts on my report.as for as I know I never changed cards unless I was sent a new one.there is also open accounts and balances on XXXX cards.XXXX and XXXX the charges are not mine! XXXX last error on the collections {$54.00} charge and a charge from XXXX I have never had a card with more then a {$1000.00} limit, My car payment payment was never late I defer XXXX payments when I was ill.And I have never had a XXXX account.Please fix theses errors.I don`t check my credit reports but I will from here on in Thank you in advance, XXXX XXXX p.s I also was red flagged for ID theft in XX/XX/XXXXand XX/XX/XXXX someone put a false income return in they received {$7000.00} in XX/XX/XXXX but nothing in XX/XX/XXXX