I was told by my tenant of 8 yrs in Georgia that  a mortgage company (Academy Mortgage) pulled her credit I guess, and said that I have reported her a few times lates over the last 2 yrs.  In 8 yrs she's been late about 6-7 times but not only have I not reported anyting but don't know how to?  Is there a way something is being reported on my behalf without me  knowing??