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I pulled a 3-in-1 credit report provided by Experian. I can't believe it! Citi Auto keeps moving back the dates on my loan so it will never fall off my credit! The truck I bought was charged off and repossessed. My best guess is that I stopped paying around 2005, it was charged off in 2006, and was repossessed in 2009. I *think* that the history is based on the last payment I made in 2005 or the charge-off in 2006. I don't have any of the paperwork on the truck or a payment register. As far as I can tell, Citi Auto and CitiFinancial Auto are the same company. Whatever the name, they went out of business in 2010. The phone number and address on my credit report are no longer valid/working. Is the date I should be concerned with the last payment, the charge-off, or the repossession? Is there a legal record or something else I can pull to dispute the dates that the creditor is providing to Experian/Equifax/TransUnion? Any advice you can provide will be appreciated. Thanks.

Hi, I've been lurking on this site for months but this is my first post. I ran into financial problems in 2006-2007 and ended up defaulting on my credit cards. I am in, and have always been in California so my understanding is that I'm well outside of the SOL. All my baddies are due to fall off my credit report between 9/2013 and 8/2014 according to my free annual credit report so I had pretty much decided to let nature take its course. All of my charge offs have been purchased by LVNV, Midland or Pinnacle which, from what I've read here, are really difficult to deal with. Like everyone else, they report as factoring companies, open and they update every month. But today I received a notice from Northland that I had 30 days to dispute the Pinnacle item. Northland is not reporting on my credit report but both Pinnacle and the OC are. Both Pinnacle and the OC show DOFD as between 6/2007 and 8/2007 depending on the CRA. The dunning letter I received today does not include the language about "we will not sue you for this debt." Isn't this required if the debt is out of SOL? Furthermore, they did not put my name on the notice. It is addressed to "???" With a code following and then my address. The letter starts "Dear ???" My biggest fear is that they will try to sue me and I won't find out about it and have the chance to offer the SOL as a defense. I'm guessing I should DV them but should I tell them my name? Should I ask for not only validation but also point out that I'm out of SOL? Seems like that would be admitting that it's mine. I have no proof that they re-aged except they didn't put the disclosure language. I really appreciate any help or advice.