On or about XXXX XXXX unauthorized charges were made to my XXXX XXXX credit card by XXXX. Statements were sent to an incorrect address and XXXX had incorrect out of date contact information. This credit card was not used for over a year, no monthly statements were ever received and a current card was never received or activated. 
I reviewed my credit report in XXXX XXXX and found XXXX 's derogatory remarks on my credit report. On XXXX XXXX, XXXX. I called XXXX and spoke with a representative called XXXX. I explained to him the situation and provided him my current address and contact information. I also requested the XXXX credit card be cancelled. XXXX put me on hold and spoke to his supervisor. When he got back on the line he told me he told me my card would be cancelled and all charges and late fees from my account would be removed. ( which was done ) This clearly provides that any charges and all subsequent late fees charged by XXXX to this credit card account were either unauthorized or charged in error. 
In XXXX of XXXX, I filed a dispute with the XXXX credit bureaus regarding the late payments reported by XXXX. In my letter I explained to all parties, that since XXXX determined no legitimate charges were made and why no payments were made or required. I also requested the removal of all derogatory reporting regarding late payments. 
In response, XXXX sent back a letter dated XXXX XXXX, XXXX ( Attachment # XXXX ) stating the information reported to the credit agencies accurately reflects my account history and the reporting can not be changed. 
Then, On XXXX XXXX, XXXX I sent another letter to XXXX, XXXX Equifax and XXXX. ( Attachment # XXXX ) requesting XXXX to explain how they can legitimately report XXXX, XXXX and now 90 day late payments on an account when all charges were reversed, no balance was due and no payments were ever made. Again, XXXX sent a letter back dated XXXX XXXX, XXXX stating that the information they reported to the credit agencies accurately reflects my account. Most importantly, XXXX did not send the explanation I requested to justify a payment as late when no balanced was owed. ( Attachment # XXXX ) As a result of their response, On XXXX XXXX, XXXX my attorney XXXX XXXX XXXX sent another letter ( Attachment # XXXX ) to the credit bureaus and XXXX. Requesting them to verify all legitimate charges to my account as well as verify the nature as to how the debt was satisfied. 
Again, XXXX sent back a ( form ) reply dated XXXX XXXX XXXX, stating the information reported to the credit agencies accurately reflects my account history. XXXX, for the XXXX time did not provide the information that I or my attorney requested to verify account charges to my account as well as verify the nature as to how the debt was satisfied. 
XXXX sent a ( form letter ) instead of specifically answering questions to validate their reporting derogatory remarks on my credit reports. They were negligent and derelict in their duties to perform the appropriate investigation and research to investigate my dispute and justify their claim. They have damaged my credit and also my reputation with my employer that monitors my credit on a regular basis. 
I am asking your help to have XXXX remove all derogatory remarks on credit report immediately. If at any point they can provide any information to justify their actions I would be happy to address their response at that time. 
Thank You Respectfully, XXXX XXXX XXXX XXXXXXXXXXXX Phone XXXX XXXX