I had a chargeoff appear on my cr yesterday. It is Arrow Financial. It was on my Experian report then it was deleted after a round of validation and estoppel letters. They then sold it to another ca who got the validation and estoppel letters. That ca never put it on my report. Now, I'm trying to get bumpage on TU and low and behold it's on there. It has been reaged and shows a listing date of 7/2002 which is not true. I'm thinking it may have been triggered by applying for a TargetVisa card although they gave me one. Or, because I've been calling the reps at TU and just asked for a procedure request they decided to put that on there. But, it wasn't on there before. I am going to send the intent to sue and cease and desist letter. But I need a current fax# to send it to. Does anyone have any contact info. for Arrow? You can email me off board if you would like. I searched and found some info. but it is from earlier this year.