because of these boards, I know that the burden of proof is on THEM to prove that I WAS late. I ask to speak to the supervisor, (Pat) who basically tells me the same thing. I tell her, no ma'am (very nicely and politely) you need to provide the dates of these so-called late payments or the information is unverifiable in accordance with the FCRA. Besides, Pat, if you don't have the dates of these late payments, how would I or a potential creditor know if they are more than seven years old or not? This goes on and on until Pat tells me that obviously she knows what she is talking about since she works for the Honorable GMAC who has been in business for 90 years and has financed millions of vehicles. I then very politely ask her to see that these payments are removed from my credit report, and she very politely says no. I then think to myself, well, I'll just call Experian right now! When I tell them that GMAC has no record of my payment history, why they will just say, okay, we'll take care of that right now! No such luck of course, and no such luck finding out the status of my dispute that they have had since June 30 and lost (which they promise they will get back to me on in about an hour.) Anyway, the woman on the other end of the line (who was actually quite nice) states that gee, she would think that if they can't provide the dates that the dispute couldn't really be considered verified, but since GMAC has verified the information TWICE already her hands were tied. So here's the million dollar question...for a dispute to be considered VERIFIED by a creditor, must the dates of these payments be verified? Help?!?!?