Purchased a computer through XXXX. This purchase was financed by applying for the XXXX store card. It was approved at {$2200.00}. Computer cost was only {$1600.00}. XXXX ( XXXX ) days later, MyFICO reported a 100 % account balance increase. Received the shipment from the XXXX seller approximatly XXXX days later. Have not received the necessary information to setup payment account ( online ) from issuing company ( XXXX XXXX ). Contacted XXXX XXXX ( issuer of credit terms ), and they could not help without having an account number. XXXX does not provide this information ( good security, but, negatively impacts credit terms ). When contacting XXXX XXXX, automated voice line stated that there was a balance of {$1500.00}, with {$600.00} of credit to use. This is not reflective of what was reported to Equifax ( per FICO 's complaint process to Equifax ). This is a violation of the FCRA. XXXX XXXX has not been fair or equitable in reporting. They state that I have an additional {$600.00} in credit terms, but have reported that I have maxed-out a new credit card to financial bureaus. I have contacted XXXX via phone and chat, and they ca n't provide an answer as to when I can start paying off what is perceived to be maxed-out terms. At this point, I 'm going in circles. It 's a joke, and, it 's a scam and flat-out fraud between XXXX companies with investors.