Self lender reported for XXXX to XX/XX/2023 a balance of XXXX dollars..my credit limit is XXXX..on my credit card stament close date my balance was on XXXX cents..I was way under 30 % of my credit utilization..my stamens close date was XXXX I never spent any of my money on the card..therefore my balance was reported inaccurate I even called them to verify my statement close date ... my credit score went down XXXX  points ... this is fraudulent in accuracies and they should be punished by law as a credit company ... in XX/XX/2023 they reported my balance was XXXX dollars when I had a balance of XXXX dollars of a XXXX dollar limit..