I recieved my letter back from Chase Manhatten. I sent the nutcase revised. OC letter stated that I need to send in my credit report so that he could look at it. The account is a paid chargeoff that was sold to another lender, it is only on experian. Trans union and equifax have removed it. I saw a post of a similiar nature, but can't seem to find it. I appreciate any advice far as the next step to take.