It often seems arbitrary and maybe up to what person is investigating and how good or bad they are at their job.
I have had a blatant obvious fraudulent account removed by EXP and EQ immediately(1 mth time) upon dispute and TU has kept it for 6months and says it's verified. Called TU and asked what info they got to verify since everybody else deleted it and the response was your name and address...utterly ridiculous as it takes much more to verify a debt. I told them that the creditor was unableto provide DV info when requested and now I'm waiting on a new investigation from TU.
