XX/XX/2015, a XXXX representatve called me and asked me if I wanted to renew a protection agreement on a washer and dryer. Having had issues with the unit, I agreed. The company asked if they could bill a XXXX XXXX Card on file ; I agreed, but the company representative never confirmed a billing arrangement and I assumed I would receive a bill in the mail. Months passed, and I did not receive a bill. Finally, I received a threatening letter from XXXX that informed me that I was 30 days past due. I quickly called the company, made an over-the-phone payment and the company agreed to waive my late fee. I also learned that my bills were sent to an email account that I rarely use. In XXXX of 2015, I decided to check on my credit and learned that it had dropped by approximately XXXX points with all three bureaus. I immediately learned that XXXX, XXXX ' credit affiliate, reported me 30 days late to the credit bureaus. I disputed this charge, with the credit bureaus and the company, but none of these sources agreed to reverse the claim. Keep in mind that I did not receive any of the bills and XXXX conceded fault by waiving my late fee.