The problem is that the credit card company keeps using my information with some one else who has a car or a mortgage using my name I have been having problems with this force some time the problem is that I know how much credit I have used and I know how much credit I have not used that is a sign that I am responsible enough o know how much credit I have not used the other problem is that company 's should not be allowed to just tthrow any collections on my report the goal is to get the money if the company do not want to goq to couirut and XXXX XXXX the money then why make it easy force them to just throw some frivilouse non payment on my credit I have never bought a car or a house because of the fact that fir so many years in this XXXX company ' s have it to easy to just throw non payment debt on a person credit company 's should be forced to take the matter to court and discpute the claim not let it sit and XXXXDo nothing company 's know how much deceptive trade practicing they are minipulating and using all my life I have not bought a house because of the fact that the laws for credit bureas accountble. Credit reporting have gone unprotected force consumers like me who actually have the money to get a loan and pay it back if I wanted to do that I need to know what an be done by you to fix this or is this just some dumb complaint line going no wear resolving nothing you tell me!!!!!!