I can't tell you how many times this week (200+) I was asked about whether the credit bureaus still have 30 days to respond and the answer to this is no. The credit bureaus have an additional 15 days that they can take by law because of the pandemic and I can guarantee you they're going to. They're automation computers can only process so many letters - anything after that will get a verified response OR a stall tactic response.
I'll go more into this at a later time but that should get your brain ticking!
here's the link to the new beginner's guide if you need help figuring out how to dispute negative items on your credit report: https://app.paycartpro.com/co/guide