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  1. So a little background. I had a repo in 2010 when I was recovering from job loss from citifinancial which was bought out later by Santander. Enter earlier this year I decided to attempt to clean my credit. First thing I did was opt out and delete as many old addresses as I could. In mid-July I disputed the repo with the CRA's. All 3 came back verified. In August I sent Why Chat's repo letter to Santander, they did not and have not ever responded. They did however sign for it, I sent it CMRRR. At the very end of September I sent Why Chat's followup dispute to the CRA's. I received responses from all 3. Equifax - Deleted TransUnion - Remains. No other information than that. Just investigation completed, entry remains. Experian - Remains. Told me that the OC requested that I contact them. I did, they never responded hence why I sent the dispute. My question is what is my next step? Is it time for CFPB and AG complaints? Thanks for your help!

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