I am having a problem with First Resolution in Seattle. They purchased a charged off Cap 1 account then posted the account "Open" date to my Equifax as being 6/2001. First Resolution has: 1. Posted the same account twice showing different amounts. 2. Says Cap 1 shows my last payment date as December 1997. 3. Bought the account in 6/2001 hence the new account opened date. The SOL is 6 years in my state. What is the best way to dispute this and get rid of these jerks? Thank you.
A lot of CA's try to claim that the account is OPENed when they obtain it. If the account is time-barred, I recommend WhyChat's time-barred letter. Just find the cite for your states SOL, and mail it CMRRR.
Once you know that they've received the C&D, then I would dispute both accounts that they are listing as "NOT MINE - DUPLICATE"
