Did this CA re-age my debt?

Hello all!

I am in the beginning stages of repairing my credit. I had an 80/20 mortgage from 2005 that I was unable to pay. I stopped making payments sometime in 2007 and the house was foreclosed on in 2009.

I was able to confirm when my last payment was on an experian credit report from a few years ago. The most recent date it showed was March of 2008 and it was listed as "120". So I believe that confirms that my last payment was sometime in 2007.

Like I said, the house was foreclosed on in 2009. The debt in question was from the second part of that 80/20 mortgage. I owed about 40k on that mortgage when I stopped making payments.

The debt was sold to a collection agency in march of 2010. And then the CA reported that my last payment was that same month (in march of 2010)!!!

There absolutely zero chance that I payed them anything. Until this day, I never answered a single phone call from them or even opened any mail they sent me.

What is also interesting is that the larger portion of that 80/20 mortgage has already fallen off of my credit report. I stopped paying both mortgages at the same time.

On paper, something seems fishy to me. However, I am new to all of this so I just wanted to run it by the forum to see what other people though.

Thanks for you time and please let me know if you need anymore details.

 

It is reporting account opened as well as a last payment. The fall off date is not until 02/17 now (which would be 10 years after the actual DOFD.

It appears that they acquired the account in 3/2010. They listed an inaccurate DOFD of 3/2010. While also listing my last payment as 3/2010. Another strange thing is that they immediately reported the account closed in 4/2010. That was a busy month for them!

The information my original mortgage company listed on my credit report about this debt has fallen off. Presumably because 7 years has passed since the true DOFD.

so, I am utterly confused about what to do.