In my personal experience......the ONLY way to get them to wake up and pay attention is to report them and file a complaint with the OCC.
I fought with them for a year over them on a TL my husband had truly no knowledge of. They were not only reporting a debt we had no clue about (but I wasn't 100% sure because it was during a time before we were married) but also reporting it incorrectly. They verified it every time I disputed. They ignored my verification letters. Finally I had had enough and filed a complaint with the VASCC (before they became a nationally chartered bank they were governed by Virginia's banking laws) and in about 2 or 3 months, they basically sent us a letter apologizing and deleting it from all 3 CRAs.
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