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we are going after the facts and the fact is they violated they didnt enter that notice of dispute what the heck is a notice of dispute well Ill tell you right now lets look at fcra 623 well first of all laymans terms they are required to enter something that says disputed by consumer after you first dispute with the bureaus theyre not going to do that or the creditors not going to do it or The Collector is not going to do it one of them not gonna do it and guess what its a violation so if you look at scra 623 says responsibilities of Furnitures of information to Consumer reporting agencies duty to provide notice of dispute if the completeness or accuracy of any information furnished by any person to a consumer reporting agency meaning the Creditor to the bureaus is disputed by you to such person by consumer the person may not furnish the information cannot report it on a credit report to any consumer reporting agency without notice as such information