This account was open in XXXX for emergency use. I wasnt able to pay it back but for 6 years on my credit its been saying closed and there was no increases occurring or any type of negative impact on my credit. The amount I borrowed was not even close to what they are trying to say now. If an account is showing closed for 6 years how is it magically opened and charging now. if closed it should not keep increasing on my credit. That barely started to happen in XX/XX/XXXX. Its being fraudulently opened again increasing and affecting my credit score.