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Their investigation did not fix an error on your report. This is a formal dispute of inaccurate, inconsistent, and abusive credit reporting tied to the XXXX XXXX credit card account listed under my credit profile. Despite multiple disputes submitted since XX/XX/XXXX, the following violations remain unresolved : My {$95.00} payment on XX/XX/XXXX was not applied toward the past due amount, and the account continues to show a 30-day delinquency. Multiple months ( e.g., XX/XX/XXXX ) are marked OK despite no payments being made. Cross-bureau discrepancies exist between balances, status codes, and payment history for the same time periods. I was enrolled in XXXX XXXX and charged monthly for it, but it was never honored or appliedduring a time of financial hardship. I was never inform