several times in the recent past, at your request, we have verified & re-verified the items you are in despute of. each time, the creditors have verified the accounts belonging to you and/or reporting correctly. therefore re, if you still feel there is an error , then you will need to contact the creditors directly & file the dispute w/their office. as the bureaus can neither change nor remove items from your file that have been reported correctly. signet bank prior paying history deleted first deposit deleted due to no response. where do go from here? one last collection to go.