So i managed to get the late payments from my equifax and transunion report changed to an (X) or unknown. But experian refuses to change or remove the information. How come transunion and equifax removed the information, but experian actually verified the late payments in less than 48 hours?
i almost feel like experian just validates it because it saves them time. Without the extra work they can do other things. It's like they want you to go way out of YOUR way to prove to them it's wrong. I might have to make a plan and go for it. Any ideas?
i think that you might have to deal with the credit card issuer. Or sue the credit card company if you feel that strongly about the error on your report. Im going to keep reading up on a manual investigation and ill post here later.
Im just disputing again under " this is not my friggin account" that way maybe they will be like hummmmmm. Ill see what happens.
File an FTC Fraud Affidavit and police report http://www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf and send that to them.
Send the Affidavit along with the police report to the CRAs to have them block the TL from others seeing it.