My accounts are repeated and should not create the appearance that I have XXXX XXXX credit cards & XXXX XXXX XXXX XXXX XXXX are same company I had XXXX accounts and paid in full, closed them out, they should be considered Charge Off, Paid in Full, Satisfactorily, finally, XXXX XXXX no longer has my permission as I have not reapplied for credit, can they give themselves permission to continually do inquiries. I have an claims refund from XXXX Federal Trade Commission winning back my payment refund back, from XXXX XXXX XXXX XXXX, with many aka or XXXX, which has a negative remark on my credit report, now I have proof that they were conducting collections from me, fraudulently.