According to the National Consumer Law Center's recent publication, Automated Injustice: How a Mechanized Dispute System Frustrates Consumers Seeking to Fix Errors in Their Credit Reports, the credit bureaus were found to handle credit reporting disputes in "a perfunctory, formalistic manner."
For example, they often reduced detailed disputes into generic two or three digit code categories, and often failed to relay the consumer's dispute details to the creditors for verification.
Fortunately, consumers still have the right to dispute incomplete, inaccurate or questionable information. It may take more time and more attempts than anticipated, but with enough patience and perseverance consumers can repair their credit-even on their own.
Discrimination: Consumer vs. Attorney
Now, if a consumer opts to hire an attorney whose limited area of practice is consumer law, there is one clear advantage he/she will have.
Dispute letters written by attorneys are given a higher priority by the credit bureaus and are sent directly to their Consumer Affairs Special Services. Instead of being treated like a generic coded number, an attorney's client is given individualized attention by the credit bureaus.