My credit score has always been maintained above XXXX and I have absolutely no delinquent obligations or credit. Over the last 3 months ( XX/XX/XXXX-XX/XX/XXXX ) my score has dropped substantially ( presently XXXX ) citing reasons of serious delinquency, level of delinquency, recent delinquency, too many accounts opened and too many recent inquiries. ALL OF THIS IS ABSOLUTELY FALSE. Whatever this is its either fraud, a mistake or false reporting!! 
