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what should i do

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crapandgarbage
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what should i do

i know i asked before but i want to be sure
 
hsbc is reporting as a charge off/transfered to another lender.
i disputed with equifax and they verified.
I sent a dv to CA. they claim to be new owner.
 
who should i deal with? new owner of debt thats not on credit report yet or old owner who is reporting as charge off?
 
if i PFD old owner can they legally remove it? can new owner take payment but old owner keep reporting?
 
why does a charge off reports as 30 late, 60 late, 90 late, 120 late, CO,  then pays as agreed? there was no payment made and zero balance/charge off.
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