Product: Credit reporting

I moved to the XXXX on XXXX XXXX, XXXX .... ( stayed there for almost 5-years ). NEVER USED MY CREDIT. My SCORE was approx. XXXX, before I left. ARRIVED back to XXXX on XXXX XXXX, XXXX. 
Tried to get a BANK LOAN, & other items, Much to my amazement, I was TURNED DOWN! My CREDIT SCORES WERE : XXXX, XXXX,? ... .... 
I LOOKED AT MY REPORT, & THERE WERE XXXX-ITEMS ON MY REPORT, ( COLLECTIONS ), THAT I DID NOT KNOW. ( AS I HAVE BEEN IN THE XXXX, & HAVE " NOT '' USED ANY CREDIT, TO PURCHASE ANYTHING, ON MY SOCIAL ). 
ONE WAS " XXXX, XXXX '' ... ... ..I CALLED THEM ON XXXX OR XXXX. THEY TOLD ME IT WAS A " CELL PHONE '' PURCHASED ON XXXX XXXX, XXXX. I WAS IN XXXX, XXXX, DURING THIS TIME! 
The amount was for {$320.00}. I PAID THIS OFF ANYWAY. ( AS THEY TOLD ME THE EMAIL ADDRESS WAS FROM MY DAUGHTER : XXXX XXXX XXXX XXXX. BUT I WANT THIS TO REMAIN WITH ALL XXXX-CREDIT AGENCIES. ***WHAT I 'M STATING HERE***I 'M A XXXX XXXX VETERAN, WHO IS TRYING TO BUY A HOUSE, FOR MY NEW WIFE, & XXXX SON!! PLUS, NOW THAT WE CAN NOT GET A LOAN FOR THE XXXX UNIVERSITY TUITION, FOR MY NEW WIFE. I AM VERY DEPRESSED, ... ... ... ... .there is more! 

***ANOTHER COLLECTION*** ... ... ... .case # XXXX ... ... .for : {$2800.00}. XXXX XXXX. ( I called them ... ... .THEY TOLD ME IT WAS FROM " XXXX XXXX ''. *REMEMBER WHEN I TOLD YOU I LEFT FOR THE XXXX ON XXXX XXXX, XXXX. WELL I " '' LEGALLY PARKED '' '' MY XXXX XXXX CAR, IN THE AIRPORT PARKING AREA. ... ... WITH INSTRUCTIONS FOR MY ( ABOVE DAUGHTER TO PICK THIS VEHICLE UP, AS I HAD GIVEN IT TO THEM ). *Thru the years, I have given them XXXX-VEHICLES. WHEN I ARRIVED IN XXXX ... .I CALLED BACK HOME & SPOKE WITH MY FAMILY. ONE OF THEM WAS XXXX MY DAUGHTER : XXXX XXXX XXXX XXXX. SHE TOLD ME THAT ***THEY HAD INDEED PICKED-UP MY XXXX VEHICLE, & IT WAS DRIVING JUST FINE***BUT MUCH TO MY AMAZEMENT ... ... ... .ABOUT XXXX-MONTH 'S LATER, I GOT AN " EMAIL '' FROM : XXXX XXXX. XXXX XXXX ... XXXX XXXX XXXX, OVER ABANDONED VEHICLES ). 
HE TOLD ME THAT MY CAR WAS STILL THERE. I TOLD XXXX XXXX XXXX, THAT I WAS ***SORRY*** & THAT HE COULD AUCTION MY XXXX CAR OFF, TO PAY THE ***THEN APPROX. ... .... {$1200.00}, OR SO PARKING FEE ...? OR THERE ABOUT.? 
I EVEN CALLED XXXX XXXX XXXX ... ... ... ..TELLING HIM THE ABOVE. TELLING HIM I WAS VERY SORRY. AS I WAS " NOT '' AWARE OF THIS EVENT, WHATSOEVER. 
NOW COMES XXXX XXXX, XXXX ... ... ..ME & MY NEW WIFE, & SON ... ... ARRIVE IN XXXX, ONLY TO FIND OUT THAT MY " CREDIT SCORE '' HAS BEEN DOWNGRADED FROM XXXX ... ... ... .TO THE CURRENT RATINGS. 
MY WIFE IS VERY DEPRESSED AS SHE CAN NOT ATTEND XXXX UNIVERSITY, XX/XX/XXXX. AS WE CAN NOT GET A LOAN FOR OUT OF STATE TUITION, NOR CAN WE PURCHASE A NEW VEHICLE & HOUSE, VIA THE VA LOAN. 

I MAKE APPROX. $ XXXX-DOLLARS PER YEAR ... ... BUT CAN NOT GET CREDIT ANYWHERE. PLEASE SEE THAT ALL 3-CREDIT AGENCIES GET THIS LETTER. 

I THANK YOU FOR YOU TIME & CONSIDERATIONS. 

Respectfully, XXXX XXXX XXXX & Family. 

ps ... ... NOT TO MENTION **ALL 3-CREDIT AGENCIES** HAVE MANY ADDRESS, NAMES & SSAN # FOR ME!! DESPITE ME PUTTING " FRAUD ALERT '' ON THESE, IN XXXX, WHEN I LOST MY BILLFOLD. THERE ARE TOO MANY MISTAKES TO MENTION HERE, AT ALL OF THE AGENCIES!!