I disputed information on my credit report to the credit bureaus. I alsodisputed the account directly to the original creditor. I asked them tovalidate the information they are reporting. They simply wrote it ona letter and sent it to me but it 's all hearsay. Nothing in writing proving it. 
The information does n't match my records and I believe it to be wrong. 
I was never late, yet they reported me being late by 90 days. How can Ibe 90 days late without first being 30 and 60 days late?