The credit bureaus XXXX, XXXX and Transunion are missing some or all of my XXXX credit card accounts and payment histories. They are also missing car loan and mortgage histories. They 've claimed these accounts are not reporting to them or that they are up to date which they are not. It 's not possible that these XXXX Visa 's, Discover, and American Express accounts do n't report to some or all of the XXXX credit bureaus. In fact I 've confirmed that most report to all XXXX. Apparently when credit history is missing they do n't consider that an error like I do. This has damaged my credit. Where my credit should be excellent, according to them it does n't exist or I have no payment history. I will try to include these supporting documents : 1. Credit cards and ID 's pictures sent to all XXXX bureaus, 2. XXXX XXXX XXXX XXXX mortgage is paid in full but does n't appear on any credit report, 3. Utility bill showing current address, 4. XXXX, XXXX, and Transunion Credit Reports, Dispute Forms and Dispute Results, 4. XXXX previous letters from credit card companies stating that they are reporting to all XXXX bureaus which I sent to them and they ignored.