The collection agency and Ford verified, Macy's was deleted. When I saw last Saturday online that the collection agency had verified all four listings I sent them a second nasty letter. On Thursday all four entries were deleted. So on this round it's one out of five for Lexington and four out of four for me. Interestingly, in the same mailing they show the inquiry disputes I submitted two weeks ago as "still pending" with a "projected completion date" of July 22.