Owe2much, I feel your pain. Just not as much as you. How do they go from 2003 to 2006 in order to extend you to 2012. Does the calendar even go that far into the future? Do you have a report from with the original dates? Somebody is definitely using should new mathematics. (The following statement is just me talking off the top of my head) You may need to start with the basics and send a debt validation letter and state that they are reporting false information and that you are aware that they are violating the law. Quote that law.