I made a purchase at XXXX XXXX in late XXXX ( {$61.00} ) ; just received my statement with a XXXX XXXX due date and XXXX XXXX has submitted a negative report to the credit agency TransUnion for non-payment. Their site is down until XXXX/XXXX/15 ; no one answers the phone and I 'm cutting up the card and closing the account. I want the negative report off my credit summary. XXXX XXXX has a serious problem and they are hiding something from the consumer.