Required XXXX has be reporting XXXX accounts ( XXXX .... ) on my credit file for Experian, XXXX and XXXX status as " Creditor can not locate individual ''. My phone number and address has not changed since XXXX 2009. This is the same address that is on file with the credit union as I often receive mail and email from them. I was recently denied credit for a loan and was told that the state reads " Creditor can not locate individual '' on my report does not show well and could easily be misinterpreted as I recently found out. To state that on report is totally incorrect as I receive special offer mail and emails from XXXX XXXX often.