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If the apartment rental agency claims they cannot find the paperwork you have a cause for action against them if they refuse to remove this from your credit record. Fact is once you notify them of a dispute they and the credit reporting agency(If you gave them notification of dispute) have 30 days to prove it is correct. If they do not they must remove it. (30 Days)If not you may take them to court and get money through your action. Unfortunantly it takes time. You need to really watch even the big three reporting agencies. Sometimes what they say and what they actually did seem to be two different things. Too many employees and not enough oversight.You are right in assuming they do not care. I recommend to everyone that they get their free yearly credit report from all three agencies each year. You may be surprised by how inaccurate they are. I once had a person with my same name in another part of the US getting their bad marks on my credit report. It too took time but it was taken off. They are not suppose to use name alone but they do and to this day it continues. Until our suppossed leadership in Washington puts some tougher standards in place we will see this practice continue. It should be a automatic fine of $10000.00 levied against the the offender. That is the way you get their attention. When you eat into profits they will follow the rules.