I had actually disputed the Wells Fargo because it was lost in the mail, but technically it was late :-/ Anyway, I am going to try and find some e-mail addresses or something for Toyota and Wells Fargo to see if I can get any better response that way. I hate that they say they are required to report accurate information even though they are not required to report.
I wonder if I should write a different GW letter, but I used the standard format that others posted here. I will let everyone know how it goes - any further advice would be greatly appreciated. I hate having these two baddies, especially since the Toyota account is paid for and closed.