In XXXX 2011 while visiting a relative in Wisconsin, the relative took me to XXXX for the purpose of buying a swimsuit which I did. Due to departure date, this item was not used and relative agreed to return this item for me which she did. Billing statements were NEVER RECEIVED!!! CREDIT BUREAUS SHOW THAT XXXX REPORTED XXXX ( XXXX ) LATE PAYMENTS IN 2011. 
