REGARDING -TRANSUNION DEROGATORY REPORTING XXXX has refused to provide answers to questions requested by me and my attorney to support the reporting of derogatory information to XXXX, XXXX and Transunion regarding an alleged debt to my account. 
On or about XXXX XXXX unauthorized charges were made to my XXXX XXXX credit card ( by XXXX. ) If XXXX mailed statements they were sent to an incorrect mailing address. Additionally, any contact information XXXX had on record, including my email, work address and phone number were incorrect as well. 
I discovered this in XXXX XXXX when I reviewed my credit report. I noticed XXXX put derogatory remarks regarding late payments made to XXXX on my XXXX, XXXX and Transunion credit reports. In response, on XXXX XXXX, XXXX, I called XXXX and spoke with their representative XXXX and I explained to him my situation. XXXX confirmed that XXXX did not have any current contact information. I told him that I did not have possession of a valid XXXX credit card, never activated a new credit card and have not received statements for quite some time, because I stopped using the card. 
I provided XXXX my current address and contact information as well as requested that my XXXX account be cancelled. After we spoke about the balance on my card, XXXX put me on hold and spoke with a supervisor. When he got back on line he told me my card would be cancelled and that all charges and late fees on my account would be removed. Since XXXX is not a philanthropic organization I am sure they realized this situation was just a big mistake and not my fault so their reversing of all charges was the appropriate action to take. 
XXXX of XXXX, I filed a dispute with the XXXX credit bureaus regarding the late payments reported by XXXX. In my letter I explained to XXXX, XXXX and Transunion that XXXX determined no legitimate charges were made, no balance was ever due and no payments were necessary or required. In my letter I asked XXXX, XXXX and Transunion to remove all derogatory reporting regarding late payments. I was surprised that in their response to my letter, dated XXXX XXXX, XXXX ( Attachment # XXXX ) XXXX stated that the information reported to the credit agencies accurately reflects my account history and the reporting can not be changed. 
Again, On XXXX XXXX, XXXX I sent another letter to XXXX, XXXX, XXXX and Transunion. ( Attachment # XXXX ) requesting XXXX to explain how they can legitimately report late payments ( now 90 days ) to an account where all charges were reversed, no balance was due and no actual payments were ever made. In XXXX response dated XXXX XXXX, XXXX they stated that the information they reported to the credit agencies accurately reflects my account. Additionally, ( XXXX ) did not provide the information I requested regarding how my account balance was reduced to XXXX and how you can be late making a payment on a zero amount due. ( Attachment # XXXX ). 
As a result of XXXX refusal to provide verification of debt or how the balance due was paid, on XXXX XXXX, XXXX my attorney XXXX XXXX XXXX sent a letter to XXXX and the credit bureaus. Requesting verification of all legitimate charges to my account and to verify the nature as to how the debt was satisfied. ( Attachment # XXXX ) Again, XXXX sent back a ( form letter ) reply dated XXXX XXXX XXXX, stating that the information reported to the credit agencies accurately reflects my account history. XXXX refused to answer any questions ask by my attorney XXXX XXXX did not verify the debt nor did they provide him the additional information sent to the credit bureaus in response to my dispute. ( See XXXX # XXXX XXXX XXXX XXXX XXXX Reply. 
