Take the following as truth: 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
Then the following statement: "It said I had an account with JCP that I closed years ago." is true, false, or inconclusive?