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what qualifies as DOLA?


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Can anyone direct me to any reading (FCRA, FDCPA, etc.) that states what qualifies as date of last activity? Is it payment, new charge, ? My reason for asking is Fairlane Credit is reporting DOLA as 03/2005 (date of bankruptcy ch 7 filing) on an account that they were reporting closed/transferred 02/2001. They will cause the account to stay on my credit report for another 4 years (according to equifax). When I dispute and provide copies of previous CR that state account closed/transferred 02/2001, they tell me that the creditor verifies the information (DOLA 03/2005) as correct.

Please help.

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