For the last 2 years I have Used the credit builder card from XXXX otherwise known as XXXX XXXX  I stopped Using the account a while ago and they reported the account 30 days late. Its impossible because this is a prepaid credit account and you cant spend money you dont have I tried calling them but they refused to fix it and gave me vague answers. My former name XXXX is on the account just for your records but I called them and asked them to remove the late payment because it was never late and was impossible to be late!