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Requesting a credit report I was surprised to see a new Last Date of Activity on a 3 years old debt. After I send a DV letter to a CA with no response from them, 6 months later checking my Credit I found that they claimed me paying them 50 dollars cash. Can they do that and how do I fight this? Many thanks in advance.

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I wouldn't worry, a CA will sometimes update the "Last Reported Date" or "Last Payment Date" or something like that with a new date. This doesn't change the date of 1st delinquency, which is the date that determines the reporting period. I wonder just how many consumers pay old debts thinking the debt is more recent than it is. Don't fall for it.

See 605© "running of reporting period" of the FCRA.

http://www.ftc.gov/os/statutes/031224fcra.pdf

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Edited by kevin3344
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