A credit report that I recently received indicated that I was in default of payments for what appears to be since the start of 2015. On my end, I made the final payment on the credit card and stopped using the card as the one I had expired. I never received a new card, so did not continue to use the credit card. Upon receiving this credit report, I see that I have been missing payments. Upon calling the company, they have been charging me a XXXX $ " minimum interest fee '', and then a XXXX $ late fee when that was not paid. Again, I was not receiving notifications of any bills or that the card was in any way active. The amount totaled to XXXX $ by the time I received the report, which I paid off immediately. Previous to this incident, I had been making timely payments to this credit card for approximately XXXX years. The company did not do a good job communicating that this was happening with me, and so I had no idea that they were still charging me even though I was not using the card. This has harmed my credit immensely and made it look like I do not make payments on time when this is not the case at all. I have paid the overdue balance and closed the account, and would like my credit score to be repaired.