I joined " XXXX XXXX, '' and have monitored my credit report frequently. I had ( XXXX ) open accounts in collection, which had a " high negative impact '' on my credit score. Both accounts were over ( 10 ) years old. I disputed both items with " Transunion '' and they investigated them one at a time. The XXXX investigation was completed on XXXX/XXXX/XXXX concerning XXXX XXXX XXXX XXXX & Transunion results were " NO LONGER ON FILE. Yet low and behold, the derogatory account is still on my report as open & in collection. The XXXX report was investigated by Transunion and the results were the same ; no longer on file. So far, the one was removed on or about XX/XX/XXXX. I wrote to Transunion in XX/XX/XXXX and after informing them of the results of their own investigation, I asked them to remove the first negative account. As yet, they have not done so. It 's no wonder consumers are having such a hard time keeping their head above water financially. 
