Call the three credit bureaus:

Experian 475 Anton Blvd. Costa Mesa, CA 92626 714-830-7000 is answered by a live human being, tell them you need the Executive Customer Service Team to end the dispute(s), hours are 8AM-5PM Pacific Time

Equifax 1550 Peachtree St, NW Atlanta, GA 30309 404-885-8300 is answered by a live human being, tell them you need to speak with someone in the Executive Consumer Service department.

Trans Union 555 W Adams St Chicago, IL 60661 312-985-2000 it has a machine greeting but just stay on the line and you are transferred to a live person, tell them you need to speak with someone in the Special Handling Department, you'll have to wait a little bit as they need to connect to customer service then get it elevated to the Special Handling Department (it is hit or miss, Trans Union often proves to be the most challenging)

If you cannot get the Special Handling Department, then when contacting the normal customer service reps you should say: I need to dispute the compliance condition remarks code of "AID" (Account In Dispute) because I am no longer disputing the account. The customer service rep should be able to immediately end the dispute, as in during the phone call. There are some situations that disputes cannot be ended by the consumer, and must be ended by the creditor, such as if there are multiple disputes on the same trade line. Remember to always be patient with the customer service reps, as they are trying to help you but may have limited communication skills depending on where the customer service call center is based. If there are confusing terms being used, don't be afraid to admit you do not understand

Sincerely,

Colby NealBranch ManagerAffiliated Bank MortgageNMLS # 815067 | Member FDIC(866) 282-2956 x 6104 | Office(800) 488-6185 | Faxcolby@imortgagelending.com

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