Check out the appeals decision on Cushman v. TUC on www.findlaw.com. You may relate to it with you situation. Sorry, I lost the link.
http://laws.findlaw.com/3rd/971610p.html A quote from this case cite: "Congress's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear "grave responsibilities," 15 U.S.C. § 1681(a)(4), to ensure the accuracy of that information. The "grave responsibilit[y]" imposed by § 1681i(a) must consist of something more than merely parroting information received from other sources. Therefore, a "reinvestigation" that merely shifts the burden back to the consumer and the credit grantor cannot fulfill the obligations contemplated by the statute." Further, pursuent FCRA, CRA must consider your proof/information.
