Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, My name is XXXX XXXX and I reside in XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Email address and telephone number are : XXXX and XXXX respectively. 

My complaints are with XXXX XXXX Credit Card ( Through XXXX XXXX ) and another XXXX XXXX   Credit Card ( Through XXXX XXXX ). 

XXXX XXXX Credit Card ( Through XXXX XXXX ) AC # : XXXX ; In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX wrongly placed late payments on my credit reports. I was never away that such information was on my credit report because they were wrong. I happened to apply for line of credit and I was informed of the late payments that was reported in my credit report. They told me that I can obtain a free copy of my credit report. When I did, I discovered that the reporting was through XXXX XXXX who recently closed that account without notifying me. All the projects I had had with XXXX XXXX in the past was always 24 months, NO INTEREST and NO PAYMENTS and usually I set up a recurring payments from my bank to take care of all the payments before the 24 months due date. I contacted XXXX XXXX credit card who identified themselves as XXXX XXXX. I immediately informed them of the incorrect reporting by them on my credit report, they offered to send me copies of the invoices because prior to that those invoices were never sent to me. At the time of that request XXXX XXXX was operation two cards with XXXX XXXX   under my name but shortly after the call, they now refer to that account as closed but no reason was provided to me as to why it was closed and when that took place because as of XX/XX/XXXX, I made purchases at XXXX XXXX with the card. 

When I finally got the invoices, I contacted XXXX XXXX to let them know that the information they have on my credit report was wrong and that they should remove those from my report but they said I should contact the credit bureau to have them remove that. I again contacted them today, after noticing the same pattern with a recent transaction with my XXXX XXXX, XXXX XXXX credit card. This time they told me the account is closed that they will not adjust their reporting. Please this looks like fraud by XXXX XXXX because the same thing is happening with my XXXX XXXX credit card managed by XXXX XXXX. On both occasions I was offered 24 months and 18 Months No Interest and No payments. On both occasions my invoices were never mailed and both occasions involved closing my old accounts without notification and sending me new credits cards. Below is what happened with my XXXX XXXX credit card. 

XXXX XXXX Credit Card ( Through XXXX XXXX ) Ac # : XXXX : In XXXX of XXXX, I purchased a television from XXXX XXXX and I was told that I was getting 18 months No Interest and No Payment for the purchase. Shortly after that, I received a credit card from XXXX XXXX and since I had a credit card from XXXX XXXX like XXXX XXXX, I did not activate the card. Meanwhile in I set up a recurring payment to take care of the purchase cost before the 18 months. Suddenly, I started receiving voice mail to go online and review my XXXX XXXX - XXXX XXXX credit card. That sounded strange because the message never mentioned payment due and as long as I know the purchase was No Interest and No payments and more over I have not received any invoice from XXXX XXXX or XXXX XXXX   regarding my purchase. It wasn't until I realized what XXXX XXXX did to my credit report that I decided to contact them, To my surprise when I contacted them they said my account was overdue and was under collection. At this point I have sent {$200.00} to my XXXX XXXX account which I thought was still current. I told them that they do not know what they are talking about, first I reminded them that my purchase was 18 months No Interest and No Payment and the account can not be overdue. Secondly, I reminded them that I sent {$200.00} to them and another payment of {$200.00} was scheduled to be made by my bank of XX/XX/XXXX. They said they did not receive anything and was trying to get me to make a payment of {$100.00}. At that time I thought I was speaking with fraudsters so I hung up. I then went back to the new card XXXX XXXX sent me which was not activated and called the customer service number listed on that card. When the representative came I narrated everything that has taken place and she said that the purchase was set up for No Interest but monthly payments were required. Then I asked her why they have not sent me any invoice since that purchase, but she could not answer that question. When I enquired about the {$200.00} I sent, she said that they have not received anything from me. At that time I had the information where the {$200.00} was sent in front of me, and that was how I found out that the account like XXXX XXXX credit card was also closed and that the card that was sent to me was my new account. I asked her whether she has access to the old account and she put me on hold and when she came back she said that the {$200.00} was in that old account. It was then that I realized that XXXX XXXX had accessed two late payment of thirty something dollars the new account. The only thing they told me was that they are sorry that they will wave one of the late payments now and asked me to call them back in XXXX to wave the other one, the reason I was meant to wait to wave the late charge due to their error beats me. As we speak I have not received a single invoice on my XXXX XXXX XXXX XXXX credit card. 

THIS CLEARLY LOOKS LIKE FRAUD BY XXXX XXXX. 
1. They first offered No Interest and No Payment before purchase, then they turn around and start charging people late charges and putting ridiculous comments on peoples credit reports and if you are lucky you will detect it on time and sometimes pay additional money to clear your records. 

PLEASE I NEED YOUR HELP TO ADDRESS THESE FRAUDULENT ACTIVITIES.