See the attachment of all the FCRA violations by this company, XXXX. I verified through a phone call this morning ( XXXX/XXXX/15 at XXXX XXXX XXXX that our account is and has not been past due yet they are reporting it as such. They are also reporting 2 times which is double the negative impact on my credit. They are reporting the account as CLOSED but it 's an active open mortgage? I hope you can look into the practices being observed by this company and help them to understand what the rules are.