The problem is simple, I PAID the account in full and it is STILL showing a balance. On 8/25, I actually got Experian to reinvestigate this account on the balance (they had investigated prior for balance history). Well the deadline was 9/24. GUESS WHAT!? FCNB verifies all information is correct. I immediately call Experian and they tell me that they WILL NOT investigate again. I explain the situation and they still refuse. I then tell them I want a procedure request. I'm SOOOOO hopping mad on this one. My first thought is the Nutcase letter to FCNB however, I'm so mad I want to start threatening right away. First they've "verified" incorrect information and second they didn't bother to mark the account as disputed. Maybe its best to get them on more violations? I'd like some advice on this if anyone's had a similar experience. Thank you .