As I previously mentioned, I will dispute my credit with the bureaus. I am sending a dispute letter tomorrow (3 items - Not mine). I will keep you posted about all communication I receive. Hopefully this will be a learning experience for the everyone who will dispute in the future. I would like to know if someone has ever had to send a follow-up to a dispute letter, meaning the credit bureaus did not respond in 30 days. Thanks for y'alls help. As pbm mentioned in his post, let's help each other rather than attacking posts.