I need to know how to dispute this item.

[sjcraw]

I have a charge off account with citifinancial. I have disputed the account in the past as not mine,with no luck. After going over my credit report I see that they are reporting the account wrong. The DOLA is wrong. It suppose to be 2005 but they have it listed as 2006.I haven't paid on the account since 2005.When I dispute it again , should I dispute as not mine because the info is wrong? Also when I send the dispute in to EX should I include my EQ, CR showing that the DOLA dates are different than EX, CR?

Thanks in advance for your reply.

Sjcraw

[qtptute]

I have a charge off account with citifinancial. I have disputed the account in the past as not mine,with no luck. After going over my credit report I see that they are reporting the account wrong. The DOLA is wrong. It suppose to be 2005 but they have it listed as 2006.I haven't paid on the account since 2005.When I dispute it again , should I dispute as not mine because the info is wrong? Also when I send the dispute in to EX should I include my EQ, CR showing that the DOLA dates are different than EX, CR?

Thanks in advance for your reply.

Sjcraw

Describe in the most detail as possible.

Is it your debt? If so, then you would NOT use it's not mine.

Is the amount wrong? If so, state how much you actually owe.

Is the DOLA wrong? If so, state the DOLA - the last date that you charged something.

You do not need to send them a copy of the CR, just put in their file number and the date of the CR in your letter.

[thomassl]

I have a charge off account with citifinancial. I have disputed the account in the past as not mine,with no luck. After going over my credit report I see that they are reporting the account wrong. The DOLA is wrong. It suppose to be 2005 but they have it listed as 2006.I haven't paid on the account since 2005.When I dispute it again , should I dispute as not mine because the info is wrong? Also when I send the dispute in to EX should I include my EQ, CR showing that the DOLA dates are different than EX, CR?

Thanks in advance for your reply.

Sjcraw

The DOLA is not the same as DOFD. The DOLA is the date of last activity which means the last activity of any kind on your account by anyone. The DOFD is the date of first delinquency which means when you first became delinquent on the account. So it is possible that the DOLA is correct!