XXXX XXXX, XXXX XXXX XXXX report of negative information about a 2008 loan That was paid and account closed. They continue to report it in collections/charged-off XXXX of XXXX even pulled my Credit Report this month without my consent. It has ruined my credit to the point I have not been able to buy a car, home or rent an apt in my name. It is all very damaging and extremely unfair. I work hard and always pay my bills and taxes. Do companies have a right to put me in this kind of hardship causing me to be considered a credit risk?