My sister has an old coll acc from Citi back in 97, CAp 1 =bought the acc & offer her a credit card with the credit line of 2200 ( 2K of which they claim she owns them) with interst of 16% or somehting, of course she did take the offer. Now TU is the only one reporting that as chargeoff, with accnt open date 10-01. The OC has already delete this debt when she disputed it last year. My Q is 1) Can they legally do that buying a new debt, when ppl refuse to take the cc offer, them report on a new account date? 2) what would be the proper letter to send them? Just as CA validation letter or....?
