Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX purchased a timeshare from XXXX XXXX XXXX. She  XXXX  XX/XX/XXXX. It reflected on her credit And it was never on my credit which Im her husband, XXXX XXXX. I went in XX/XX/XXXX to XXXX XXXX XXXX and handed them XXXX certificate for my wife, XXXX XXXX. And I was requesting information on how to dispose of this contract with her because shes XXXX XXXX contract over. XXXX XXXX XXXX  pulled my credit Without my knowledge or consent In XX/XX/XXXX. 
I found out in XX/XX/XXXX XXXX Pull my credit that passed XX/XX/XXXX And had put on my credit in XX/XX/XXXX that I was late on a payment and it was now a joint account and the bill was now coming in only my name. I went through all the process with Experian to rectify this error. I filled out all the A dispute numerous times. I hired a credit repair company. They did it for one year Corresponding back-and-forth with my behalf I got all these stall tactics from experience I.e. : prove your identity, we had a request to update your information and dispute some information however it was a third-party ( Power of attorney and formally Informed Experian that they would be working on my behalf ) So they did nothing Is what they did for an action about the dispute They allowed XXXX XXXX to self certify every single time and never provided any original documents saying I signed for the contract. 
Fast forwarding to most recent dispute multiple dispute have been ignored and nothing changed. I have a letter from XXXX saying the contract canceled. No money is owed which is reflected on my credit bureau however, magically Im late since XX/XX/XXXX And if I wanted to look on a credit report and scroll down through payment history, I stopped paying And XX/XX/XXXX. 
So that information is incorrect. Also, theyve dated the contract cancellation paper for XX/XX/XXXX. Well, XX/XX/XXXX alleged property, the right to use a hotel room; Was foreclosed in a non-issue foreclosure process And a property was disposed of and sold in XX/XX/XXXX. Yet my report still reflects that Im late XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX. And the contract canceled XX/XX/XXXX. It never showed up on my credit for XXXX years. It was never a joint account for XXXX years. Magically I find out my credit has been pulled in XXXX and then XXXX a year and a half later im magically late. I stopped paying before then. So one would have to stop and look at this information and see also how can I be late and for something thats already been sold I dont even own which Im not the owner anyway my wife was. Im on XXXX. I make {$1500.00} a month. Im not getting alone, my wife had the income she got the loan and they never provided documentation showing that I signed for the loan I want some accountability. I want it off my credit My credit went down XXXX XXXX and low XXXX I finally have it up to a XXXX now I have not been late on any other payments overall this time I have actually paid down {$17000.00} worth of credit card debt. I only owe XXXX total and my credit is slowly building up on my own, but Im not on any other payments. I havent been laid on anything at all. This is the only derogatory thing and by the way, impeded me from getting a refinance for XX/XX/XXXX right before the rate jumped up so it has cost me {$17000.00} for interest which is XXXX more than I was paying and I wouldve been able to lock in at a lower rate, which now I am not able to do that. I want Justice I want satisfaction. I want this off my credit. Its not mine. They have failed to prove In anyway, it is mine.