I have successfully removed bogus credit dings from my report. You have to follow a lot of steps and document everything well. If the creditor or agency doesn't respond correctly, you can sue them in small claims court for violations of the Fair Credit Reporting Act. The lawsuit always gets their attention!

I followed instructions from this site: http://whychat.5u.com/

No lawyer is needed if you just follow the right procedure and are ready to go to small claims court.