Disputing with Creditor

After disputing with the CRA, if it has come back verified twice, I have been going directly to the creditor. So far, not one has responded (although finally got satisfaction from GE Card Services via the telephone), so I have been following up with a 30 day letter, which I send certified and then if still no response after another 30 days, I send an estoppel letter certified. (Have actually only done the estoppel letter once...but this is the process I am using.) Am I doing this right? I am getting to the hard stuff now and want to optimize my chances on these last several entries. The way I see it, if I try twice to dispute with CRA, then try three times to get some response from the original creditor or CA, I'm ready to file a lawsuit to at least force some type of communication, right?

It is just amazing to me that almost 100% of the negative entries I had, had some type of error in its reporting...even if the account was mine. What a racket they have going. The only thing I can't figure is how it benefits them not to clear something up that is so obviously inaccurate. Seems to me they get the same fees whether a person has good credit or bad, don't they?

 

But this really doesn't make much sense. If one applies for credit at a car dealership, seems to me that it is to the dealer's benefit that you have a good credit rating versus a bad one. Afterall....they ARE in the business of selling cars and they can't sell you one if you can't get financed.

That is where I am having the problem....how does it benefit the CRA's to NOT clear up inaccurate data? I can't see how it should matter to them either way...aren't they just there to report the facts (hysterical laughter)? Why should they care what those facts are...seems to me they should just care more that they are accurate.