Why do the credit bureaus struggle to verify information in under 30 days?
The credit bureaus hate the dispute process. They have to hire employees to handle all of the letters and disputes, they also need to use time and resources to verify the dispute. For this reason the credit bureaus will do everything in there power to disregard your letter or dispute. For this reason it is crucial to send everything via certified mail and have records of all the documents you mailed to them. If the credit bureaus are overwhelmed they simply do not bother verifying the information because they know they cannot validate it within 30 days. The credit bureaus do not want to hire more employees to do a task that only costs them money.
