From Bankrate.com: http://www.bankrate.com/finance/c...-messy.asp
"Another alternative is enlisting help from a consumer advocate or attorney. The credit counseling firms that are part of the National Foundation for Credit Counseling can help and guide consumers in filing a dispute, says Gail Cunningham, the foundation's spokeswoman.
Keogh says that many attorneys who deal with credit report disputes work on contingency, so you don't pay them unless you receive damages from a lawsuit or settlement. Many attorneys also offer free consultations and can help consumers put together their disputes, including drafting the dispute letter, Keogh says.
Ortiz's credit report debacle remained unresolved until Bartmann's company stepped in. His company originally tried to collect the debts, but Ortiz again disputed the claims. Bartmann's company then tracked down the consolidation loan company that had cut the payoff checks on Ortiz's behalf."
It is an uphill battle to resolve credit disputes; persistence and patience are the key.