1. All XXXX agencies, XXXX, TransUnion & XXXX wrongfully report delayed payments to XXXX XXXX in 2013. I have sent official report from XXXX XXXX showing no late payments and they have not yet corrected this. 

2. There is no logical reason for the credit agencies to make the credit score lower due to the number of inquiries into the account. This process is very detrimental to the consumer and there is zero logic to it. My credit scores should be adjusted accordingly and they should stop this process.