If there is a creditor incorrectly reporting on your credit report which negatively affects your credit score you may have recourse under the Fair Credit Reporting Act. (FCRA) A consumer attorney in your area should be able to assist you. Generally these cases are fee shifting which means that you should not have to forward any attorney fees. An attorney will receive their payment from the offending party. Furthermore, if successful, you may be entitled to up to $1,000.00 dollars in statutory damages and/ or actual damages. I am sure you can find a good consumer lawyer familiar with the FCRA in your area on AVVO
Yes. Write to each of them with a description and have them correct the problem. Or you can hire a credit repair attorney. There are several highly skilled ones on Avvo or you can ask your local bar association for a referral. They can have very long lasting positive effects.