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.
You can't dispute accurate information on your credit reports and expect the credit bureaus to remove it. However, you can hold the credit bureaus liable under the Fair Credit Reporting Act if they fail to observe the time limit on your debt. By law, negative information should drop off your report after seven years.