I have been trying to correct my credit report since XXXX XXXX, XXXX. Equifax and Experian have corrected the information. Transunion has not. I have contacted them by phone more than five times. I have also filed more than five disputes. I sent a written dispute at the end of XXXX XXXX with a copy of my mortgage bill for XXXX XXXX. I filed bankruptcy in XXXX XXXX. The bankruptcy was discharged on XXXX XXXX, XXXX. I was and still am in the home. I am paying the mortgage on time. A manager and I contacted Transunion. The representative was told that my information was being sent to them by the manager. The representative told us that he could not continue the three-way call. The letter that was sent was XX/XX/XXXX, with a copy of the bill. By XXXX XXXX, which had not been 30 days, I received a reply that SNC had not responded to Transunion. Transunion removed XXXX from my credit file. The XXXX manager and I made the call, after I received the letter. My auto insurance is due to be renewed. They will raise my rates, because of my credit report. Can you help me with this? This is unacceptable. The credit bureaus should have to refund the money that they receive from the companies that pay for reporting. The money should be put in a fund for consumers to use, or refunded to the consumer whose credit is affected. I would like my Transunion credit report corrected to show that I am paying SNC Servicing, my mortgage company, on time, since the beginning of the mortgage. I would like a letter of apology. 

Thank you, XXXX XXXX 
