XXXX placed a negative report on all XXXX reporting agencies. They never contacted me first. 
I spoke to Experian who told me to contact XXXX. I called XXXX XXXX Friday XXXX XXXX 2015 and spoke to XXXX XXXX. He said he would register the complaint. 
XXXX was charged and convicted by CFPB Colorado for same illegal practice in XXXX 2015. 
XXXX XXXX by using XXXX support these illegal activities. I do not have any debt everything is fully paid for. I have never not paid a bill. I have never been late paying a bill.