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Ok, so I sent in the Whychat repo letter well over a year ago - nothing ever came of it. The credit bureaus respond "verified" every time. Sent letters to the FTC, AG, BBB, etc. Nothing. Is there ANYTHING that some of you have used to send in after all this? I am looking for some case laws, etc. SOmething I can use against them. Saw this thread: http://creditboards.com/forums/index.php?showtopic=506456&hl=repossession&do=findComment&comment=4800082 I would love to know what nlocker used!!! Any help is GREATLY appreciated!!! It is a Ford Motor Credit repo - only baddie on my report