I thought CRAs and creditors have 30 days to respond to disputes. I contacted all 3 CRAs and one of my creditors/collection agency directly and no one reponded to me after 45 days. The creditor did put a notice on one of my reports that I was disputing. I finally sent a letter to the top dog at the collection agency and 75 days after my initial dispute I got a response from their Assistant General Counsel. She told me that the 30 day deadline does not refer to them as credit furnishers, only the CRAs and that they followed the law by posting "Dispute Resolution Pending" on my report. They basically sent me a copy of a statement as verification that says you owe us $xxx. When I read the FCRA, I interpreted it to say that credit furnishers also have to respond to disputes within the 30 day period. Can someone please tell me if I'm wrong? Sorry for the long post! Thanks.