Before I found this wonderful board, I started my attempt at cleaning up my credit report. Some dumb a** told me to start by requesting validation/disputing with the OC. I did just that. I heard nothing from most of them, nor has it ever said on my credit report that these debts are being disputed. (most were reported by CA's but I disputed with the OC's). Is the OC liable for not reporting the debt as "disputed"? After not hearing from the OC's, I went on to the CA's. I have not heard from most of them either and it's been more than 30 days. My credit report still does not list any debts as being "disputed". Is anyone liable there? I had one CA with 5 accounts. They half a**ed verified 3, and said they were going to tell the CRA to delete the other 2. They are all still on my report, none listed as disputed, and it's been over 50 days. Is anyone liable there? I have finally begun going to the CRA's, but haven't heard anything (and time's not up yet). If the OC and/or the CA's are not following the law, I would LOVE to sue them as I'm tired of being ignored. Do I need to send anymore letters or just go for it? Thank you to all who help us newbies. I hope someday I can get my reports cleaned up and help someone else in return.