I sent them a certified letter pointing out by law they had 15 days from 6/14/01 (date they signed for the letter asking for the proceedures of verification). I sent them another letter on 6/29/01 stating by law I should have the information. I called Trans Union. The rep told me they had 30 days to reinvestigate. I informed him I didn't ask for a reinvestigation I am asking for the "proceedures used to verify". He told me 30 days. I said OK and hung up. I went to my local magistrate, and filed a complaint. I created a paper trail. I stated my case in the complaint, and (as per Lizardking) I made it very easy for them to settle this with the deletion of a few tradelines. Today, I receive a letter in the mail with an updated credit report, all negatives gone for good! The letter gave me a manager that should any of the previously listed accounts reappear, make a phone call and they will be deleted. I only wish I had done this in the beginning of my journey. I am waiting for the results from my Experian report. If they "claim" to have verified one account, off to the magistrate I will go again! I will SUE! I should state most of the accounts that were charged off were very old. They would have been deleted from my report within a year. So, I know they didn't investigate anything! Trans Union got caught in a lie. That is the bottom line, if you can PROVE that a CRA lied, take them to your local magistrate. Make sure you create a paper trail.