i'll try to keep this short: as I have posted before, i am trying to get rid of a negative on my reports, a 1995 paid charge off from GMAC. It is due to fall off in 11/02, but that is almost two years away,and we will be trying for a mortgage early next year. I disputed numerous times, always got verified. I sent 4 letters to the various addresses on my reports for GMAC, got no response. I sent a proof of method of verification letter to all three CRA's. Lo and behold, I get a letter from GMAC saying that they never got my prior letters, but to send them the portion of my credit reports that lists the entry. I did, and got a voice mail at home yesterday. (no name or number, but I had a phone number on the letter.) I called back, and was told by this woman that in effect, the whole thing is my fault. That I never told them my maiden name, (funny, they didnt need it to verify all those times) and that the delay was my fault because I kept sending letters to the wrong addresses. I told her that I used the addresses on my credit reports, and since each report had a different addy, I wanted to cover all my bases. This person barely let me get a word in edgewise, was sarcastic and rude, actually shouting at me. I told her GMAC was in violation of the FCRA, (to which she laughed) and when I asked why I couldnt get copies of their records, she told me she only had what was showing on her screen. I asked for that, she refused. This was a loan that originated in 1989, and during the last verification it was updated to include 36 30 day late payments (absolutely untrue.) I asked for copies of whatever they used to come up with that, again she refused. I told her she had violated the rules, and if she didnt get the item off, or send me proof of it, I would file complaints to the Atty general, etc. She said go ahead, I'l l write to them too, then hung up on me. Where do I go from here? The CRA's are not responding so far to my letters, and GMAC obviously doesnt care that they are in violation. I even brought up the fact that each report shows a different date of charge off. She said fine, I'll correct it so they all show the latest date. (gee, thanks.) I am so frustrated, I have to correct this and I am beginning to think it is impossible. I dont want to file a suit over this, but that seems to be the only option. Any ideas? thanks for reading and sorry this is so long.