experian has energy bill on my credit report that doesnt belong to me that is paid with a late payment it is being reported as in a bankruptcy that i do not have it is just all incorrect it has stopped me from getting credit because it is reporting being settled in a bankruptcy and late. Also The bureaus are reporting my student loans as being paid late and i have never paid them late i have asked to be forwarded the proof of these late payments and have not received it. i have not paid these loans late. The bureaus have merged incorrect items on my files on XXXX other occasions and it has taken over XXXX years and i have still not gotten all of the items fixed yet i would like for them to take the energy bill off of my credit it is not mine, i have never had a bankruptcy or an energy bill in my name and remove either the closed student loans or update the late payments to the correct status. i know they can not send proof of these payments being late because i have never paid them late.