I suspect that a legal idealist’s reading of the FCRA, FACTA; and FCBA would be “no, the consumer is legally entitled to a variety of legally mandatory means of recourse in the event of a billing error or dispute!”
Anyone else would just note that the reports of data furnishers to credit reporting agencies seem to be accorded roughly the same level of instinctive trust normally reserved for even the most fanciful testimony by law enforcement agents; while you are beating the odds if you even manage to get in touch with someone to complain to; much less get them to care.
