I forwarded that letter to the CRA's and included a separate letter stating that I was upset that they were reporting inaccurate information. The CRA's initiated an investigation. The CA replied to keep items. It is has been over 30 days since I received the CA's letter. I contacted Equifax yesterday, and there starting another investigation on my behalf. What is my next best option. I've searched for the follow up 15-day letter, but I'm confused as to which one to use. Please offer any and all advice. And if possible a letter that you feel might work. I also contacted The American Collectors Association. They sent me a form to fill out. Can anyone with experience please advice me on what to include in my complaint regarding this collection agency. Or, any other option I should try..