HELP! - Citi Financial Auto Re-Aging Charged off Car loan

[RogerBikeSwim]

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 The phone number and address on my credit report are no longer valid/working.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.

[Analysis]

You need to get your the reports from the source, each with the all important report number.

 

Until then, read about deleting addresses fron Experian, then the basic dispute letter using the word Obsolete and that company/account number.

 

Your Experian access may allow disputing, but I do not think it allows you to dispute correctly, using obsolete.

[Analysis]

http://creditboards.com/forums/index.php?showtopic=528144&hl=experian&do=findComment&comment=5048738