If you’re dissatisfied with the credit bureaus’ handling of your dispute, you can take the following steps to make a formal complaint and seek resolution:

1. Send a Follow-Up Letter to the Creditor or Collector:
   • Start by sending a follow-up letter to the creditor or collector that reported the inaccurate information. Explain the situation, restate your dispute, and request their assistance in resolving the issue with the credit bureaus.
2. Send a Removal Letter to the Credit Bureaus:
   • Draft a formal removal letter to the credit bureaus, outlining the dispute and the reasons why you believe the information should be corrected or removed. Include any supporting evidence or documentation.
3. Call the Credit Bureaus for Clarification:
   • Contact the credit bureaus by phone to inquire about the status of your dispute and why the disputed information has not been corrected. Request a clear explanation and, if possible, a timeline for resolution.
4. Ask to Speak to a Supervisor or Manager:
   • If you are unsatisfied with the responses you receive, ask to speak to a supervisor or manager at the credit bureaus. Higher-ranking representatives may have more authority to address your concerns and expedite the resolution process.

Taking these steps allows you to formalize your complaint and demonstrate that you have made diligent efforts to resolve the dispute. It’s important to maintain clear and respectful communication throughout the process to improve the chances of a successful resolution.