TransUnion, care of said XXXX XXXX at XXXX, now claims that the letter addressed from XXXX to me is " unacceptable '' to substantiate deletion of the purported delinquent record on my credit report claiming that I still owe XXXX XXXX {$780.00}. Evidently, the FCBA is a bunch of hogwash, and Federal legislation is a joke, because the credit bureau does n't think it 's binding. They clearly believe that they can 1 ) completely ignore the billing dispute of a consumer 2 ) promise XXXX service at XXXX rate and overcharge them for services at will 3 ) fail to even acknowledge the consumer 's billing dispute 4 ) and then report delinquency to their credit report