credit agency did not change status after I provided proof..now what?

Unfortunately, even if they do resolve it RIGHT NOW, it will take a little while for it to physically SHOW on your credit report. it doesn't happen immediately.

The only thing i know of that you can do is continue to call who you've been calling. When you call the attorney general, basically it would be to file a complaint. They won't go knock on their door and demand they take that mark off of your credit.

An attorney won't -really- be able to do too much either except for charge you a lot of money to yell at them and do the same thing you're doing essentially.

This may not be the advice you want to hear but, that's what gets things done. Keep calling them, get different people on the phone, complain, and see what you can get done yourself.

If that doesn't work, pay a credit repair company to try to fix it for you. You just have to find a GOOD / REPUTABLE credit repair company. It takes research.

Either way, i promise you'll be ok. I know it's stressful, but you're doing the right things.

If anyone else knows something i don't about this, please post it.

I disagree. You can find an attorney to work pro bono, as the Fair Credit Reporting Act not only has civil penalties against the CRAs, but also provisions for court costs and attorney fees. Go to the National Association of Consumer Advocates for a reference to an attorney or look in your local yellow pages for a consumer spec-ialist.

See my blog post Creditors Gone Wild for the relevant statutes.

They are required to *investigate* and to take any evidence you provide under consideration. File one more dispute on paper with all your back-up documentation. Include in your letter the relevant statutes of the FCRA. Detail on that letter what each piece of attached evidence is supposed to prove. Inform them that if they do not remove the "fraudulent mark" (and it IS fraudulent) that you will not only file complaints with the FTC and your state attorney general, but you will also 'investigate your legal options'.

Send that dispute by Certified Mail Return Receipt Requested so you have all the proper proofs to hang these ... people. The CRAs are acting no better than junk debt buyers these days because so few people know their rights and know they can easily sue them for statutory damages. Don't let them get away with it! This fraudulent mark affects your life and if you can show any damages (like being turned down for a car loan or a job because of it) you can also add those damages to your suit.

Good luck!

thanks you for the replies. I am just shocked that they didnt change it with solid proof.It has caused us tons of damage in more ways then one.
I have been on the morgage co but and they refuse to let me talk to the person who is supposibly directly working on this and will not even tell me what my account that I had with them is showing.. sigh*
Thanks again I will keep workin away at this.