You're entitled to receive a free copy of your credit report. Ask for it in writing. Credit violations are enforced by the Federal Trade Commission. Your concerns can also be taken up with my Consumer Protection Section at 30 East Broad St., 25th Floor, Columbus, Ohio 43215-3428. Although my office and the commission can't act as your attorney in private disputes, information from consumers is vital to the enforcement of the act.
Nobody can afford to have bad credit.
So make sure your record is up to date, complete, and factual. Only accurate data can help you get the credit you deserve.