if i send them doc's validation for fully paid creditors/chargeoffs, could i mention anything about them not updating my reports for 2 years and use that as any leverage? Would it be unwise to tactfully hint at the fact that I could sue them for reporting inaccurate info, or should i just leave it alone? also... has anyone investigated any further about FDCPA 807 that says companies/corporations cannot have names like 'credit bureau of XXX' unless they truly are a CRA? CBE's full name is Credit Bureau Enterprises, Inc., and unless i'm missing something, I don't believe they are a bona-fide CRA, right? here's the FTC opinion letter..(2nd to last paragraph): http://www.ftc.gov/os/statutes/fdcpa/letters/isgrigg1.htm I might look like I'm just grasping at anything here, and I am, lol. I just want to get all the ammunition i can before i dive into this. thanks.