After finding a negative report that was inaccurate on my Experian report I filed a dispute with them because the issue was litigated in court, it was found in my favor that the amount was paid and the insurance company had reported false information. They never contacted me to get copies of the legal documents and updated the report to say the issue met the Fair Reporting Act. I also contacted the company in question and provided ( XXXX ) and provided the court documents and they never removed it or reported back to the credit bureaus. I have been denied credit because of this issue