[improving]

I think I've read this before, but WHAT in the world CAN I do or what type of letter can I try this time??? I have SEVERAL acts that went to CA's - most are actually inaccurate and have been paid by either myself or through a settlement. However, they re-occur and list terms of 1 month. When I haven't heard one word from any of them???!!! It makes no sense to me and I want these all resolved asap. It is sooo wrong that they do this!! I've disputed several times and I'm not sure, it makes it worse I think. jerks. There has got to be something I can do or try again. I'm brain dead and could use some help or sample letter for these damn companies & go from there! :confused: