I would like the anwser to thsese questions also. After I disputed " not my husbands account" , three unknown lates were ADDED to this account. (One 60 , one 30) We have not made any payments to this creditor for over a year because they sold the loan to another company and we have been paying the loan through the second company. I do not even know if these lates are true. Either way 'How can they report unknown dates a year after the fact?"