First National Bank of Omaha Credit Card Complaint

First National Bank of Omaha Credit card department,

Delinquent account Michigan

There is an account in my name with First National Bank of Omaha ( FNBO ) which is reporting on my credit reports negatively for none payments. However, FNBO refuses to provide me any type of access to this account. FNBO claims security issue with this account and or a fraudulent account. As a result of this I have informed them via phone and by mail ( certified letter ) if they report any information regarding this account to my credit report, particularly negative information, they would be willingly violating the FCRA. Again, FNBO refuses to provide me any access to this account online or via phone. Whenever I go online and enter my information FNBO 's websites states either I have no account or website error. My question is this : If FNBO themselves have concluded possible fraud or questioning the authenticity of this account and refusing to allow any payments so I can at least avoid any negative information on my credit reports until this is resolved. HOW CAN THEY REPORT ANYTHING to the credit bureaus? I have documents to attach I also have recordings of phone conversations ( do n't know how to attach those ). I have also sent letters to -, - and - - disputing the negative information. I have been denied business and personal loans as a result of FNBO 's reckless and willing violations. Finally, from previous records on my credit report it seems the original balance on this account was $4000.00 however FNBO at sometime lowered it to $1000.00 causing an effect that displays more negative information with this account being severely over the limit ( account balance around $4000.00