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.
Dispute the late payment with the credit bureau. You can dispute anything on your report with the three credit bureaus. The credit bureau must launch an investigation into the disputed account. They will send a request to the creditor asking for validation of the late payment.