I disputed a XXXX XXXX late payment ' report to XXXX. Merchant ( Samtander ) replied to dispute by reporting an XXXX pmt previously shown as paid on time now reported as also late. XXXX DID NOT question Santander 's STUPID response. They imply passed to me the dispute as resolved in the merchant 's favor. ASININE! ( Got ta love Credit Bureaus who 'rubber stamp ' merchants ' replies! ) 
