Hello My Fellow Vets,
I have found a solution but it will involve some Prose skills, or a good Consumer Law Attorney. I was able to sue the three CRA's for violations of the FCRA in federal court. I've done it Prose, and whooped their butts and got it removed. For some it will be a daunting task but just get them to settle by deleting it from your CR. Me, well I got some cheese out of it too, and it was also removed from all three CRA. I was overpaid by $100 dollars on my GI Bill, when I found out about it, it was reflecting 6 months of collection. I paid it, and it shows collections paid as agree, not a good reflection on a credit report. So I sent first a dispute letter to all CRA, then another dispute letter again to all CRA. They refused to remove it, and I followed up with a lawsuit in Federal Court. I cannot go into details about the lawsuit because I believe that is a violation of forum rules, and I cannot give legal advice because I am not a lawyer. However, with a little reading you can sue for violations of the FCRA under unfair and deceptive practices, etc. If you think you can, go for it, otherwise get an attorney and have the other side cover your attorney fees and have it removed as well. Please also note that is was an overpayment and not a loan, so it is erroneously being reporting as a collection because you never agreed to borrow that money, and an overpayment doesn't constitute money borrowed and legitimately can't be reported as collections for debt, etc. Also, they won't go far with it because in the end it is going to cost them way more money if your case goes to trial, and no attorney on their side is that incompetent. Hint, hint. Anyway, best of luck and let me know your experience.