In 2011 I was given XXXX XXXX line of credit without my approval. 
Prior to that, my XXXX payments were automatically withdrawn from my personal checking account. XXXX XXXX XXXX sent me statements to my old address, and since I did not expect any payments, I never checked my online account status. Once I started getting calls from XXXX that my account was overdue, I paid it promptly. Unfortunately it shows as 30 day late payment on my credit report, which prevents me from getting mortgage. I am a physician and the {$100.00} payment would not break me, but unfortunately this incorrect information on my credit file is preventing me and my family from buying a new house. 
I called the bank XXXX XXXX XXXX XXXX who issued the XXXX credit. I was told that they can not make any changes to files beyond 12 months. The manager by the name of XXXX, refused to give me her last name or the phone number of their legal department or give name of their legal counsel.