Premise: like uh uh recently i was reported as having JC Penney accounts and i don't so i called JC Penney and i said uh i just wanted to let you know that the credit agency you're using is incorrectly reporting the information that you're providing to them and they say uh-huh because they really don't want to pay for services that's not being done properly either so then they can call

Hypothesis: It said I had no accounts.
Relation: contradiction