the onset of puberty is linked with the start of sperm production usually it starts around 13 years of age although this can vary from boy to boy the male testicles testes produce spermatozoa more commonly known as sperm
There are two ways to dispute a mistake on your credit report. The first, is through the credit reporting agency that is reporting the wrong information, and the second is to go directly to the furnisher that supplied that information to the credit bureau. Disputes With Credit Bureaus.
So, if you do have a disputed account on your credit report, be prepared to submit a letter of explanation and/or documentation to the lender supporting why this account is in dispute. But doing that is no guarantee they will overlook this dispute and grant approval on your loan.