First I felt I was getting no cooperation from the TransUnion the credit bureau. I kept getting Verified, No Change letters but no documentation of how determined despite having asked several times. In a phone call TransUnion finally says there is no documentation. The documentation lies with the creditor and the creditor does not have to provide TransUnion with that documentation. XXXX XXXX XXXX has continued to respond to TransUnion on a debt showing last activity in XXXX of Verified, No Change with erroneous activity reported for XXXX - XXXX submitted, reporting a first deliquency in XXXX ( and then closing the account XXXX ). When I try to contact XXXX XXXX XXXX directly they only tell me they sold the debit in XXXX ( already well past the 7 year reporting date ) and refuse to do anything to assist me. They wo n't write me a letter stating who they sold the debt to so I can provide to the credit bureau, they wo n't report it to the credit bureau, they wo n't remove the information on my credit report being reported in their name. They will only tell me it was sold to XXXX XXXX XXXX XXXX which only goes to a busy signal everytime I try to call. I do have records of this number calling back in XXXX. Again last payment history XXXX should have already been long off my credit report and no legal liability existed due to statue of limitations at the time XXXX sold the account showing on my credit report ( only XXXX of the XXXX ). I feel TransUnion and XXXX XXXX XXXX could have fixed this and if issue of this reporting is with XXXX XXXX XXXX then fraud in re-aging the account. I found a XXXX XXXX XXXX online with a different toll free number based out of XXXX with complaints and actions against it but not XXXX answers even though says business hours. When I discovered this error several years ago ( disputed 7 times so far over 2 years ), it cost me hundreds of thousands of dollars in financing and tens of thousands more since then. 
