Disputing information isn’t a perfect science. Sometimes, even if you feel the dispute is justified, the agency will not see it your way. This time, you want to draft a second letter and address it to their attorney or legal department. Make it simple and to the point. Indicate you feel they were incorrect to keep these items on the report, and demand to see the proof. They are required by law to send this to you. Be persisten;, you may have to send multiple letters to get the errors corrected.
If this doesn’t work, the only steps left are to report this to the Federal Trade Commission or file a lawsuit against the agency in question. Be warned; suing a credit reporting agency is a difficult task and should only be used as a last resort to remove legitimately bad information from your credit file.
For more information about filing a lawsuit against the credit reporting agency, you can contact the FTC at:
1-877-FTC-HELP
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