"With one Exception, TU cannot and will , remove the items that you disputed online on 16 May 2003. TU has deleted the Federal Tax Lien trade line from your credit report since it was unable to verify this lien as belonging to you. However, each of the remaining tax liens and Chapter 13 filings have been fully investigated and are in fact yours. Contrary to your assertion, a credit reporting agency does not automatically have to remove a trade line simply because it did not respond to a consumer dispute within 30 days. I inaccuracy is the trigger for application of the FCRA and without proof that these trade lines ave inaccurate (ie do not belong to you) it does not matter whether TU responded to your dispute within 30 days. " Help me rip this apart if you would.