Unless verified and transparent, 3rd party contracts are not legal. With knowledge of this and use of the FCRA (Fair Credit Reporting Act ) as it pertains to debt, you can get financial remedy.
This is a list of all of the fees you can recoup with the codes that can be used to sue and get a negotiable instrument from the agency.
This is a sample of one of the credit letters we use to repair credit and remove reports
This letter is for identity theft and we’re going on https://www.ftc.gov/ and file a report based on the unverified fraud. One of our keys to success is we always use third-party verification. So we use a finance company to leverage as you can see in the documents.