text: 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
  
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  It said I had no accounts .