XX/XX/XXXX.This Complaint, involves not only the Credit Card Provider ( XXXX XXXX  , XXXX  ) , but the 3 Credit Reporting agencies ; as well as XXXX, and XXXX, thru XXXX XXXX   , XXXX. All the parties above are involved in an absolute monstrosity of injustice, causing my 3 scores to plummet from # XXXX, to less than # XXXX in a matter of 2 months -- -- all due to a XX/XX/2018 letter initiated by XXXX XX/XX/XXXX, XXXX  to my Home Address.The letter stated they ( XXXX ) would close the card for lack of use since the inception, XX/XX/XXXX. I questioned their right to do this, to dictate my spending or choosing not to spend, with their MasterCard.Since I apparently had/have no choice in the matter, I used the XXXX MasterCard in early XX/XX/2018, for an even charge of {$20.00} -- -- that's all. I never have received a Mailed Bill from XXXX -- -- to this day.Shortly after my {$20.00} charge, I called THEM, to ensure they had my current home address, which they CONFIRMED. In addition, my call to them was unnecessary, as I was holding their mailed, USPS letter in front of me, dated in XX/XX/XXXX. Nevertheless, NO MAILED BILL, NO FAIR CHANCE TO PAY MY BILL. Kindly check my payment records ( 100 % on time/100 % paid in FULL -- -- and for many many years ), for me to have earned XXXX scores. First, just the fact that XXXX neglects their responsibilities to mail a bill, then has the nerve and gall to report a Delinquent Account ; then follow w an irresponsible report of this alleged delinquency, is unfair and unlawful. In addition, all 3 Bureaus routinely, simply accept whatever garbage, false report any Company decides they'll report -- -- -Carte Blanche . They state their side, no matter how false and misleading it is ; TransUnion ; XX/XX/XXXX; XXXX accept this as Gospel, no questions asked ; no checking of their accuracy. I am found guilty as written by them. I then have the burden to prove my innocence to restore my Scores to their original status of XXXX. Again, even if it was delinquent ( obviously, not here in my case ), IS IT FAIR to drop a Consumer 's score 135 points for {$20.00}, that was never billed?? Secondly, the 3 Bureau sites all have online-Dispute forms that are supposed to work (?? ) Do they? Do they monitor them for errors and malfunctions -- -- NEGATIVE. How many times did I go to these sites, only to find the SAME./OLD incorrect info on there, with my resulting, decreasing Scores, as well as Freezes applied by TransUnion and others XXXX due to " You already filed 1 dispute '' ( even though far more than 30 days had passed ). They do not change and clear the information supplied by me, the Consumer. Again, not fair and just. Thirdly, the XXXX ; XXXX sites, who provide me Free Monitoring, do not cooperate either, as they claim innocence by not checking the info supplied either. In addition, when I filed many times, Disputes on their Websites, that they " Claim '' to send on to ALL THE BUREAUS ...., their sites are also dysfunctional, either losing my hard work or not sending them to the bureaus as they claim. I go back and forth between ALL COMPANIES, w no justice/no resolve. The number of hours and effort I have used from XX/XX/XXXX to XX/XX/XXXX would require a large capacity Calculator. I would be interested to know how it is fair to me, an excellent Bill-payer for the last 25 years, who has earned my high scores -- -- -to suddenly and without warning, have to put up with all these False allegations???