I have the Credit Reports from this CRA dating back to 6/18/2015, which at that time showed a charge off from a particular OC. This in theory would say that the DOFD would be in or around 12/2014, and the credit reporting termination date would be sometime in 2021. In subsequent reports from the same CRA and creditor, the "look-back" data indicated ND (or No Data) and a new "charge-off" date, which extended the credit reporting termination date. I have 7 credit reports after the 6/18/15, each showing no previous data, each showing a "fresh" charge-off and each pushing out the credit reporting time. No payments, promises to pay or even the questionable contact has been established with the OC or any of their hired hands to collect. It is my understanding that this particular OC, does not sell their debts, rather hold onto them and allegedly blacklist those (hint hint). My bank records indicate that my last payment was 10/16/2014 and I live in PA, which puts this one out of statute. The problem is that they continue to re-age the account and the most recent report says that the reporting termination date is now out to 6/2025 (11 years after the last payment). I plan to dispute the CRA, however not sure of which part of the FCRA to reference.