Yes. You do need to dispute with all 3 if the account appears on all 3. As for waiting the 45 days--u said that it already came back verified, so what would u be waiting for?? Has it already been past the 30 days since u got the original letter from the CA?? If so, u can still ask for validation but they technically don't have to provide it, but I would still try. Or, better yet/-since it has alteady been verified thru the CB, dispute again and ask them for the method of verification and try to dispute it that way. However, I would still attempt to get validation from the CA 1st.
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