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Good afternoon. Since the company will not resolve this, you want to go through the credit agencies directly. Once you dispute it, the credit reporting agency is required to investigate the dispute by sending it back to the creditor or collection agency for verification. If the creditor or collection agency verifies that the account is being reported correctly, the negative information will stay on your credit file. If the creditor or collection agency never responds to the investigation, then after about 30 days, the credit reporting agency must either delete the report from your file or report it as not being delinquent. If however they fail to do so, you will then want to file to get a court order and then send the judge’s order to the credit agency to get it removed. If you are forced to seek a court order, you also want to ask the judge to award you not only actual damages, but also punitive damages
against the company based on either their malicious intent or gross negligence in their failure to delete it.
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