The credit reporting agencies improperly entered this disputed into my credit file without reviewing the documents I have sent to them as attached here. 
-- -- -- -- I have written the following to the TrnasUnion -- -- -- -- -- -- -- -- -- -- -- - Dear Sir/Madam : I am disputing your credit report on my file number XXXX as these are completely inaccurate. I have complained to you and you have declared that your investigation is complete. You also mentioned that, " For details, see below ''. However, that " below '' is empty- blank! - nothing is in there. 

You are the protector of our financial practice and we depend greatly upon you. However, I have no idea if you even looked at the documents I have sent via US mail. My documentation has enough evidence to support that I am not responsible for XXXX Bank 's improper business practice. 
All of these started when I made purchases on-line and XXXX XXXX Estimator - online provided wrong estimates for the floor wood needed for my XXXX XXXX flooring. I have purchased the material that the XXXX Estimator estimated. The delivery company would not deliver morning or afternoon. The delivery company would leave the material on the curbside during the 4 hour window. That time it is raining continuously for over two weeks. I did not want to damage the material by rain. I asked the delivery company to deliver either morning or afternoon so that I can have my contractors take them inside. But the delivery company needs 4 hour window. I can not have XXXX people sit in there and wait for the delivery company to deliver the material. The contractor did not have anything to work on my house without the material. If I decide to have the contractor wait for 4 hours, I had to pay them for full day since they would not find any work for half day. So, I returned the materials and never received it. Can anybody prove that I have ever received any building material from anybody? 
That returned was not credited completely. So, the dispute started. I have called so many times to both XXXX XXXX and XXXX but all they were asking for the returned receipt which was never delivered to me. 

How do I control that? 

Also, Attached is a letter from XXXX XXXX, and my response to XXXX. As you can see, I made all attempts to settle this dispute but XXXX is not willing to resolve. 

Surprisingly, your agency also go along with them and I understand that, they are big business violating business practices. They are also your clients. Attach is a document that Consumer protection Agency penalize XXXX XXXX XXXX dollars for in appropriate business practice, which in general public, like me, term, call cheating the consumer. Do you think they are doing honest business? Yet, you accepted their claim and my proof does not make any sense to you. Who do we go to? 

I have provided you with some information and I am not convinced that you looked at it. So, I am sending more proofs in writing in a chronological order. I am also sending copies of these documents to other federal and state agencies. 

As you can see from the attached correspondence and supporting documents, which are in chronological order, I have made every possible attempt to resolve these issue and made so many phone calls and emails but XXXX has failed to address my issue and never responded to their failure to issue online purchase credit. I appreciate it very much if you can tell me how you have accepted such a bogus claim and put on my credit report? 
I wish I could submit this online, but your site did not work and suggested me to mail the complaint. 

Sincerely, XXXX XXXX XXXX -- -- -- -- -- -End of my letter -- -- -- --