Product: Credit reporting or other personal consumer reports

Heres a revised and polished version of your document. Ive ensured the tone remains professional and objective while emphasizing the core message about the reckless management of research and investigation for dispute resolution. Ive also structured it for clarity and legal appropriateness : Review of TransUnion Management of Credit Reports for Mortgage Loan Nos. XXXX and XXXX Incident Summary : Principal Mortgage Loan Background : Loan Terms and Hardship In XX/XX/XXXX, we signed a mortgage loan agreement ( Script Number XXXX ) for {$380000.00} with XXXX XXXX XXXX XXXX. The loan featured a 2.99 % interest rate for the first 60 months and 6 % for the remaining 300 months. 
In XX/XX/XXXX, we approached XXXX XXXX Loss Mitigation Office to address a temporary financial hardship resulting from an impending job loss ( effective XX/XX/XXXX ). 

On XX/XX/XXXX, XXXX XXXX approved a three-month payment waiver ( XX/XX/XXXX, XXXX XXXX, XXXX ) to mitigate this hardship. The waiver letter explicitly stated that unpaid amounts could be reported to credit agencies if no payments were made during this period. Despite the waiver terms, XXXX XXXX reported these amounts as 120 days delinquent to TransUnion, starting in XX/XX/XXXX. This notation negatively impacted our credit report, even though the waiver permitted deferred payments. 

Loan Modification and Resolution In XX/XX/XXXX, we applied for a loan modification, submitting evidence of financial recovery. The modification, approved and finalized on XX/XX/XXXX, capitalized unpaid amounts ( {$7200.00} ) into the new loan principal of {$390000.00}. A cash payment of {$1200.00} was made to complete the process, and all prior debt was settled. 

Despite the settlement, TransUnion and XXXX XXXX continued to report delinquent payments for the waiver period, creating significant and lasting harm to our financial stability. Over the next seven years ( XXXX ), my credit score stagnated at XXXX due to this inaccurate reporting, and I faced over XXXX denials for credit applications, ranging from personal loans to mortgages. These denials resulted in financial setbacks for both myself and my wife ( a co-signer on the loan ), including increased interest rates on credit products and lost opportunities. 

Repeated disputes with TransUnion and XXXX XXXX yielded no resolution. Both parties failed to investigate the facts thoroughly, with XXXX XXXX citing internal policy to justify the delinquency reporting and TransUnion deferring all responsibility to XXXX XXXX. This inaction violates the principles of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair credit reporting. 

Incident Summary : Secondary Mortgage Loan Background : Loan Details and Mismanagement In XX/XX/XXXX, during the settlement for property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PR, we secured a secondary mortgage loan ( Loan No. XXXX ) for {$25000.00} at a 5.5 % fixed interest rate, with monthly payments of {$170.00} over 20 years. 

Key discrepancies arose regarding loan management : XXXX. Billing Errors : Despite service contracts for direct payments, no statements or payment requests were received for over a decade. 
2. Address Mismanagement : Statements for this loan were sent to an outdated XXXX XXXX po box , despite XXXX XXXX sending primary loan statements to my U.S. address. 
3. Default Reporting : In XX/XX/XXXX, TransUnion reported the loan as delinquent, causing my credit score to drop from XXXX to XXXX. This occurred despite my attempts to dispute the debt and clarify that no prior notifications had been received. 

I resolved the delinquency by paying off the loan using retirement funds ( via my XXXX ( k ) ), with assurances that the negative notation would be removed from my credit report. However, this correction never occurred, and TransUnion and the XXXX XXXX XXXX XXXX XXXX ( XXXX ) failed to provide proper documentation or updates regarding the loans status. 

General Concerns 1. Negligent Reporting Practices : TransUnion repeatedly failed to verify the facts surrounding both disputes, including billing errors and loan mismanagement. 
Despite my consistent efforts to provide documentation, TransUnion deferred responsibility to creditors without conducting thorough investigations. 
2. Failure to Address Billing Errors : Statements for the secondary loan were misdirected to an outdated address for over 38 months, yet XXXX and XXXX XXXX made no reasonable effort to contact me through other available methods. 
TransUnion neglected to investigate why payments were missed despite my history of on-time payments for other accounts. 
3. Impact of Reporting Errors : The inaccurate reporting of the primary loan as 120 days delinquent and the secondary loan as in default severely impacted my financial stability.

My credit score stagnated for years ( XXXX ), now between XXXX XXXX ) preventing access to essential credit and resulting in financial losses of {$6700.00} in increased costs. 

Specific Questions for Response 1. Why did TransUnion fail to investigate the billing errors and address mismanagement by XXXX XXXX and XXXX? 
2. Why were inaccurate delinquency reports not corrected, even after evidence was provided of loan modifications and payment history?

3. Why did TransUnion allow adverse credit notations to persist without requiring creditors to produce supporting documentation, such as the HUD-1 settlement statement?

4. Why were the bankruptcy and foreclosure notations not removed promptly after the XX/XX/XXXX refinancing? 

Financial and Emotional Impact The reckless handling of these credit reports has caused : Financial losses exceeding {$6700.00} due to higher interest rates, penalties, and costs associated with the disputes. 
Emotional distress from repeated rejections for credit applications, compounded by the lack of accountability from TransUnion and XXXX XXXX.