1. A company purchased an old debt of mine in 2015. The original debt was obtained in 2011, it shows as charged off - purchased by another lender. The new lender is reporting their information as "open - collection/charge off." Under TU (CreditKarma) it is showing past due account and under open collections. I opened dispute because I did not OPEN an account in 2015 with this lender however it come back as validated. The company sent me the original summary of details that I signed. I am not disputing that I owe the money (which I have not admitted to them yet) just that it appears I opened an account in 2015 and its an "open" account? How should I fix this? 2. Almost the same situation as #1 however it is an old auto loan that was sold to another lender. The auto loan (ex-husband's but I co-signed) went delinquent on July 2011 and the loan was sold on July 2014 so they are reporting the "last payment" as July 2014. I again have disputed but EQ came back saying its valid? I called company directly and asked them to change the last payment so it does not stay on my credit for 7yrs6months from that date. They refused and said that it was a payment on account even though I did not make the payment and it will fall off 7yrs6mnths from last payment date? Is that accurate? As you can tell 2011 was a horrible year for me and I am trying to clean it all up. I did pay the auto loan since my ex-husband would not just because it's the right thing luckily though the lender who purchased debt does not report to credit bureaus. I guess that is why I am hoping that the auto loan falls off soon since the debt was actually taken care of. Any insight would be much appreciated I think I am in over my head dealing with these things.