Hi! I switched to this format because apparently none of my answers were registering on Chat. I apologize for the delay.
First I am sorry to hear of this and undertand your frustration. I have done some research and have some information for you.
The dispute process does take awhile, but keep in mind that generally, when there is a pending dispute, the lender will inquire to the potential borrower as to the facts of the dispute. If the borrower can indicate a valid reason, with supporting documents (ie the fact that it was paid, the fact that the lease expired) then most lenders have the authority to physically overwrite this and not have it factored into the decision re: rates. That being said, here are sample letters that can be sent to the credit bureaus and the original creditor/collection agency. This will help substantiate your case with the potential lender. http://www.consumer.ftc.gov/articles/0384-sample-letter-disputing-errors-your-credit-report http://www.consumer.ftc.gov/articles/0296-sample-consumer-complaint-letter
Also, since it does appear difficult if not impossible to get someone to assist you, you can check with the secretary of state to locate the registered agent. Please see: https://tnbear.tn.gov/Ecommerce/FilingSearch.aspx
The number for this corporation is(NNN) NNN-NNNN and their address can be accessed with the above link. Once this agent receives your letter (see if they have fax/email for quicker delivery) perhaps they can refer it to the appropriate person.
Another alternative (though impractical and costly) is to sue them for a declaratory judgment, and a request for specific performance - to have the negative report removed. However, this generally cannot be done in small claims, so the process is not within your time frame, unfortunately.
Hopefully the registered agent will take this issue seriously and will either direct this matter to an appropriate executive, or provide the contact information to you. I have tried to find a contact person within the company to no avail- which is actually common when they engage the services of an outside company as the registered agent.
I had to re-type this and I don't believe I left anything out, but please be sure and follow up if I did!. Thank you.