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FYI: I am out of lawsuit SOL. I am not worried about them trying to sue because I have the best affirmative defense: Time-Barred. California is 4 years. Last payment made was late 2007 to OC which they acknowledge so you would think they wouldn't be crazy to try a lawsuit. Either way, I'm not losing any sleep over it but I will challenge them at every turn to get this off my report early. Heard from Resurgent regarding the CFPB complaint. They explained why they report as factoring account blah blah blah. They included a bill of sale with an Exhibit A attachment with a receivable file date, transfer group number and portfolio number, nothing else listed. They sent an identity theft form. These folks need to get real. I don't have to prove I don't owe you, you have to prove that I do and then we can go from there. Of course I'm not submitting an identity theft form, I'm sure they know that. They did tell the CFPB that their answer was partial and they are still investigating and they will respond again within 60 days. Those folks and their chain...MHC to Sherman to LVNV, then Resurgent collects for LVNV. Of course Sherman would transfer junk debt to their limited liability company, which probably has very little assets so Sherman can protect itself from big lawsuits. I forgot to mention they included the infamous one statement from OC before charge off that says pay or they will charge off. I'm not going away until they decide I'm a lost cause and delete. I don't owe them nothing and that's exactly what I'm paying them. As long as I am stuck looking at them on my credit report, they will get dispute letter after dispute letter. Not constantly with the CRAs though. I don't want the frivolous label. I still have open jack attack disputes with all three bureaus so hopefully they will get thrown off my report this way.