You wont get anywhere with the CRAs they side with their customers all the time. Your next move is the BBB then your states AG.
Your next step should be to file a formal dispute with each CRA to which their reporting is inaccurate.
CFPB and/or BBB complaints are administrative, and dont provide the necessary basis for later filing a civil action to get the matter before court. FCRA 623(c) prevents a consumer from pursuing civil action regarding accuracy of credit reporting until they have first filed a disptue with the CRA and received and investigation and formal verification of the accuracy.
If your formal dispute filed with the CRAs dont result in correction, you than have the right to file a civil action contesting the reasonableness of their investigation, and get a binding decision from the courts.
You can also file CFPB and/or BBB complaints after receiving results of your dispute, but that should not be your first step.
Okay...I assume you've disputed this with the credit bureaus. Depending on how you worded the dispute, you may be able to file a civil suit. What state are you in?
There are many FCRA attorneys that work on a contingency basis, meaning no money out of your pocket to pursue it.
A dispute must identify the specific item that is asserted to be inaccurate, and the resolution of the dispute is then limited to the verification, correction, or if neither can be done, the deletion of that item of information.
Stated differently, a dispute does not extend to any other information that is not identified in the dispute, and thus the outcome of the dispute in both changes in reported information,and thus scoring, is limited to the subject matter that is disputed.