anh writes: Lots of thanks to the person who posted (800) 583-4080. Press 1 to "dispute an item". It takes sometimes to get through the automated system if you don't have a report number. When ask to enter a report number, you can either punch in some fake numbers or nothing and the system will say it doesn't understand you (right!!!!). After ~7 times or so (don't hang up), it will give up and forward to you a representative (whew). Once you reached a live person, he/she will ask for you personal information: name, address, ss#, phone... and give you a report number. Then you guys can talk about your problems. For my case, since my file was somehow contained another person's information, they forwarded me to another number to resolve the issue. Anyhow, this took me a day to fix this problem. Their web site sucked really bad. Good luck and thanks. -anh