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I am helping a friend with some credit repair and have come across this issue- Has a Chase card TL that is listed as a close version to his name but not exact, and not a version that is listed as known on his CR This account is being listed as defaulted on, and has DOFD listed on CR as 11/2011 In May of 2012 it was sold to Midland. My friend was in Georgia when the account is listed as originated, but has spent the better part of the last three years in Alabama. Midland never sent any letters or engaged in any collection activity until January of this year (2015) when they assigned the debt out to another CA NORSTAR. Then later he received another letter in April of this year (2015) from Stellar Recovery. Both letters listing Midland as the owner of the Debt. Both Chase and Midland are reporting this debt on all three CR's Several things- Alabama SOL is 3years, However I have also seen on the boards about the SOL following the creditor. The SOL for all of the rest of the states involved (CA, DE, and GA) is 4 years. It almost looks like Midland waited until it was out of the AL SOL to start collecting (odd?) So what to do now- My friend doesn't believe this account is his, but I'm worried a DV or dispute might be poking the lion ..... Dispute as not mine ?? With the recent chaos surrounding Chase/Midland I was wondering if now would be a good time to dispute, because after this length of time and being bounced the info on the account is probably nil to none. Resulting in a quick clear, on an otherwise clean CR without much fuss. However,I don't want to assume Midland is following Alabama SOL and/or start poking at a relatively sleeping lion and open my friend up to a potential suit 4months shy of being out of SOL for this alleged debt. My guess is with all of the massive back clean up Chase/Midland has to do they probably (even if they had info to sue) would not get around to it before the SOL runs out. My original though is to lay low for the next couple of months, wait until the SOL runs out and then dispute as not mine/or no longer liable. Let me know what y'all think ..... TIA, SC