Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, I disputed the information contained on my 3 credit bureau files dated XX/XX/XXXX ; but never heard or received anything concerning my dispute ( ca n't find letter ; but XXXX file created reconcile is dated XX/XX/XXXX ). I remember talking to Equifax on the phone about the documents I 'd mailed them ; and Equifax stating that all Credit Bureau 's are required to update the others with disputed items ( where XXXX XXXX and was talking to foreigner and we had language barrier where she finally hung up on me ). They told me were going to send me copies of current credit report and never received it. When I attempted to download all Credit Reports from 3 Bureau 's on/about XX/XX/XXXX, the www.annualcreditreport.com locked up and I could n't get any reports from them. The errors on credit reports include : 1. DOB wrong, XX/XX/XXXX ; actual XX/XX/XXXX ; 2. Incorrect information reported or not reported ( XXXX XXXX was not showing any payment information 3 months after began paying XX/XX/XXXX ). Both XXXX XXXX and XXXX XXXX are reporting wrong or no information about payments, when I pay my balances in full each month. XXXX XXXX was also not showing payments made for many months ; and showed account still active after lease was closed and car purchased. 
3. Unable to get credit reports from all 3 Bureau 's even after explaining the problem had with  annualcreditreport.com ; although, they will tell me on phone they were going to mail to me. 4. XXXX XXXX Credit Card has had fraudulent transaction and cancelled 3 times in 3 years ; and account closed and reissued another card. 
5. Today, I sent USPS Expressmail to XXXX about a charge that showed on my card on  XX/XX/XXXX, which I did n't recognize. Called XXXX 's Customer Service ( XX/XX/XXXX ) for XXXX Card at XXXX, and inquired about charge, they said could n't help me to call XXXX, which I did and got an automated attendant who said few words and disconnected the call at XXXX. Called Customer Service back and asked them to dispute the charge ; told them all I buy XXXX is music and had n't purchased any recently. They indicated would and get back with me. On XX/XX/XXXX, I attempted to use my XXXX XXXX card in XXXX and it was declined 2 or 3 times ; so I payed with alternate means. When got home I called Customer Service back again at XXXX, asked speak Manager ; bottom line, is when i called to dispute the XXXX charge, they had actually changed dispute to a fraud claim and cancelled my card. On XX/XX/XXXX, XXXX Bank sends out letter ( attached ), misrepresenting what I had done ( dispute charge ) and states that " we have referred your claim to Other Department. '' On XX/XX/XXXX, XXXX XXXX sends another letter and states they have investigated " MY Fraud Claim '' ; and states claim been rejected because I used my card and participated in purchase. Never addressing my initial inquiry that they turned into a dispute ; which was who is the Merchant and what Product was product purchased! XXXX XXXX has a history of not answering or changing both written and verbal request. 6. I also USPS Express Mailed letter to EVP with XXXX XXXX XXXX today. Told them think this is probably all related to my XXXX XXXX suit. Everything starting blowing up back in XX/XX/XXXX, when Defendants started talking settlement. 7. Apparently no one is auditing the Credit Bureau 's much like XXXX XXXX, Congress has given the permission to steal from consumers.