im unaware of what the XXXX derogatory creditor ison my cbr-i disputed it and nothing has been removed or investigated acct sold to worthless debt buyers that put it on my credit bureau report-transunion and the rest. i have only credit cards mastercards and i only use avout 3 percent of my limit and pay in full each month. this derog item caused my credit score to deop from XXXX plus to XXXX i want it investigated and removed. i have never heard of this collection debt buyer company before.please help me-they show XXXX balance on cbr under derog-this is my only item that is bad.