I have disputed the fact that XXXX account # XXXX listed on TRANSUNION ONLY now, is inaccurate and should not be listed on my credit report, and excessive abuse of the FTC 's rules and guidelines for responding to a proper resolution in a timely manner with the proper evidence and facts. XXXX and XXXX BOTH REMOVED this item as it was listed inaccurately and did not have legal grounds to be marked against my credit report per FCRA and FDCPA guidelines. Transunion is in violation to these XXXX consumer laws and has ignored repeated requests over the last year to remove this. I have provided the confirmation number to the disputes showing a years worth of history, and the company simply ignoring my request. It is damaging my ability to get favorable rates on a mortgage. Please see that BOTH XXXX and XXXX have complied yet Transunion is refusing to play by the rules. Please reference FILE # XXXX. Attached is the document from Transunion as you will find this case number is linked to over XXXX disputes whereby Transunion just stated it was verified but never provided any of the following:1. Evidence their authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is their authorization of law for your collection of information? 
3. What is their authorization of law for your collection of this alleged debt? 
4. Evidence it 's authorization to do business or operate in this state. 
5. and Evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Finally a provided complete account history, including any charges added for collection activity. 

None of these were provided in the last year and only deflected because of laziness.