@davidsmithsc712 Do not spend any additional funds . . . you can resolve these issues with assistance from this forum as that's exactly what I have done since 2019. Which CRA is the adverse trade line reflected on? My recommendation would be for you to contact the Executive Office of the CRA that reporting the adverse information. I'm hoping that you receive the desired results from the CRAs.
I'd promptly file complaints with the CFPB and the BBB, I did that and got over $49,000 in debts deleted within weeks, it causes the right people to receive the I formation to review. Complain about the creditors as well as the credit reporting bureaus, attach any proof that you have.