[RWebb]

they did what they were paid to do (unless you can prove they were biased in some way)

also, reporting you to a credit agency is a way that corporations can stick it to consumers, without the latter being able to do much about it - if you dispute it the credit agency often just throws it away

if the credit agency does enter the dispute it still doesn't help you much as your credit score will be dinged anyway

since you want good credit to buy the (next) house that is a second reason to pay them