Transunion has locked my credit file so that other agencies like fico are not able to provide me with XXXX bureau credit reports and their own website has locked me out of access to online disputes. I just had to hang up in an XXXX lady that did n't know what she was talking about and kept telling me I still have XXXX balance on an account that XXXX reports as XXXX balance. If I try calling the credit company itself, XXXX, I 'm met with even further incompetence and this XXXX account is the only thing preventing me for being approved for any worthwhile credit card or loan. They 're costing me a lot of hardships and dragging their feet and pretending ignorance least they be this XXXX.