Macy 's store credit card : I was 11 days late on a payment in 2014, since then I have been making payments to Macy 's. However they have been reporting to the credit bureau that it has not been paid since then. I have proof through bank transactions, disputed through the credit bureau and Macy 's has not removed the erroneous late and no payments. In addition, they charged off my credit card while I was making payments, which also negatively impacts my credit. Because of an XXXX day late payment my credit is damaged for the next XXXX years. I believe it is unethical and should be illegal for Macy 's to continue to fraudulently submit information to the credit bureaus and not be held accountable. In addition, prior to the XXXX day late payment I called Macy 's stating why I was going to be late and asked for a payment plan and they said their company provides not payment plans or assistance if when someone loses their job. 
