i have been sending letters to the credit report in order to repair my credit and in order an updated information that should have been resolved and clearly they refuse to take care of this. i have a XXXX credit report number. recently they cost me a small house mortgage because they reported another score to my lender, when i called them they stated oh that 's your fico, i asked well why do i get informed of 1 thing and the company pulling my credit get a whole other credit file/ why was i deceived. i had an account with XXXX XXXX on an old foreclosure, they refuse to remove it even though they were informed that the case was settled with XXXX XXXX and they must remove this from my report. they have just taken the word of XXXX XXXX employee and not looked into the law of fraud. i am having a problem with them changing names of companies to keep them reporting bad forever, collection accounts. they also keep a tradeline showing and a collection account showing when they know that 's double reporting keeping the clients to fail, and then they take the amount of the balance and report is a what the payment should be making you look like your debt ratio is bad and that you ca n't afford a home.it has been deceiving me. it 's like they have no rules to follow and can just put anything on you anywhere, this is costing the economy chances to get people who could be buying a house not to be eligible for real estate loans, these different scores are manipulated however they received the information from the lenders and what the lender says is what they do. the consumer. they re-report dated of last activity so it want go off of my credit. these things are old and they change collection companies and re report again. these are unfair tactics for me and every consumer out there. my XXXX XXXX account was involved in a federal investigation and settled, i have a XXXX balance reporting so why does XXXX XXXX benefit from keeping people to qualify for loans, the credit bureau 's job is to report actual fact on me its not to see how hard they can make it to get something removed. its XXXX XXXX 's word over ours & a federal investigation. this research proved we were the victim 's. i also feel a victim of being manipulated by the credit bureau being a member of their credit score alert, i have spent money monitoring my credit and being deceived that these are the scores that matter. this has caused me too much time. i want them to investigate the other companies too and not just being allowed to report as they wish. should n't all XXXX credit reports be the same?? it is suppose to be. if they are reporting accurately. the XXXX bureaus should have the same information as the other, as XXXX updated so should the other XXXX update ( bureau 's ). i want my credit report to be accurate. not what a lender says verified on the telephone. they should have to report cold facts not think so 's and taking the word of a lender, these things are unethical and unfair to me, my family and all consumers. credit bureaus should be trying to help people with their concerns and reports of wrong information of the bureau and should not be allowed to double report on a client.