XXXX and TransUnion refuse to remove adverse accounts that have been " closed '' from my credit report. XXXX has verified that these reported adverse account are no longer valid. Accordingly, these adverse accounts were removed from the XXXX Credit Report. However, the collection agencies and the aforementioned Credit Bureaus refuse to accept the XXXX investigation hard copy dispute results as proof of their findings. I have written and spoken with the reporting collection agency, XXXX and TransUnion and they were all very critical about XXXX i.e., " We do n't recognize or go by what XXXX reports, we use our own methods of disputes ''. Note : How is it that the XXXX investigated results received from the same reporting debt collection agency handling all the same accounts in question, not be accepted by XXXX and TransUnion???