You cannot imagine how surprised I was to find the Mellon Bank charge off again appearing on my credit report. Of course, it did not appear in the name Mellon Bank as creditor. Rather, it appeared in the name CITIFINANCIAL. It most definitely was the same old stale Mellon Bank account that had been on my credit report for 7 years. The credit report I received indicated that the account was a CITIFINANCIAL account and that CITIFINANCIAL charged this off in late 1999. The credit report states that this CITIFINANCIAL entry will remain on my credit report for 7 years until 2006. Of course, it had already been on my credit report for 7 years!!!!! I contacted the credit bureau to ask them to delete the CITIFINANCIAL entry. I have not heard yet from them in response to my letter. I contacted CITIFINANCIAL and they agreed with me that the entry should not have been reported and that it should not have appeared on my credit report. CITIFINANCIAL faxed me a copy of a form it sent to the credit bureaus instructing them to delete the entry(ies). I asked CITIFINANCIAL to pay me money damages but it has not done so. People may be interested in contacting me by e-mail. My lawyers filed a class action for me today (September 11, 2000) against CITIFINANCIAL on behalf of all persons in the United States who would fit the description of a class member if the court certifies the action as a class action. The case is MARK B. ARONSON individually and upon behalf of all others similarly situated v. CITIFINANCIAL docketed at Civil Action Number GD00-15440 in the Court of Common Pleas of Allegheny County, Pennsylvania. This court is located in Pittsburgh, PA. The definition of the proposed class of plaintiffs is as follows: "42. The proposed class of Plaintiffs is a national class of Plaintiffs consisting of all consumers about whom Defendant reported to credit reporting agencies in Defendant's own name, false, misleading, inaccurate and erroneous account history information at a point in time more than seven years after each original account had been placed for collection or charged to profit or loss."