I bought a ring from XXXX. I paid the ring off, and I applyed for a credit card and never received it. Although on my credit report showed I have a 90 day missed payment on my credit card account. Which I never received one bc they had my home address not my XXXX XXXX XXXX So I called XXXX claims and they said I have a balance off $ XXXXSo I do n't understand why my credit report says that I 'm XXXX days late. 
Thank you