Underpaid phone monkey? That underpaid phone monkey is simply following the company's instructions, keep that in mind. There's no need to be so rude when you refer to them.
As for that link, there are some inaccuracies there. If people verify by internet no employee of CRA even sees the dispute. It goes directly through the computer system and is verified via the e-oscar system. No paperwork is provided to the CRA but only a response and then this is sent automatically to the consumer via that same computer system.
If you dispute via mail, the detail is added as space allows to the two code dispute in a message to the reporting agencies. Or at least it is at Experian. Again no paperwork is provided to the CRA in response. Those who work with paper mail are usually in another country.
Courts are a bit different. They are generally not on the e-oscar system so in some manner actual representatives of the CRA is said to check the record. They don't necessarily call since many courts are on computer systems and that info is generally available. I'm not sure if the courts can be sued being a government entity and besides they simply store the information themselves.
At Experian, people seem to often get the best results by calling and reaching the previously mentioned underpaid apes. They are definitely easier to work with than a computer who couldn't care less at any rate. You will need a credit report number to get through and you will reach people located in the USA.
Actually they are underpaid monkeys. I had a bill - that was paid, mind you - on my credit report from when I was about 14. Yup, 14. You actually should not have a credit file until you are 18 because you can't legally enter into contracts. Anyway, it was affecting our mortgage buying process when I was 20. It was for a whopping $74.
Yes, I was pissed! It still makes me mad. It was the reason I had never been able to get credit from the time I was 18 until I was 20... I just didn't know or understand why. When I disputed it - it was verified multiple times. But the idiots "verifying it" didn't understand that a 14 year old wasn't liable - even though those are THEIR rules. They also had my birthdate right in front of them. And, get this - this is the kicker - it had actually been paid and reported in error. This was a medical bill. The problem? I had two insurances and the balance pended out for a while when the other secondary insurance was requesting more information from the hospital and the primary insurance company. The secondary got information right after it was "reported" as being late and paid it.
I asked the hospital - the creditor - if the credit reporting agency was contacting them to actually verify the information. They said NO. My understanding is they just match up socials or name spellings - addresses - anything they have to what was originally reported. That is verified to them.
So, I finally had to go to both the "creditor" - the hospital - with a copy of my birth certificate. They wrote a letter for me even though it was years after the fact. That still didn't work. To speed up the process, I had to threaten Transunion with legal action. I sent copies of my birth certificate, the bills - showing it had actually been paid and the insurance information - and everything. After I did this it was finally taken off. It was both the hospital and Transunion's fault, but the Transunion monkeys should have removed the incorrect entry as soon as they looked at it and saw my date of birth. Idiots!