Confused! NOW what do I do? HSBC / Portfolio Recovery

[awdsmama]

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@madmann26 wrote:
If it's a CO, it should be reporting a zero balance. You can also dispute PRA with the CRA's to get it removed since they don't own the debt.

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It is reporting at a 0 balance, chargeoff.

Are you saying I can dispute the HSBC tradelines even though they are legitimately the OC? 

[madmann26]

No. Dispute the PRA tradelines to get them removed.

[awdsmama]

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@madmann26 wrote:
No. Dispute the PRA tradelines to get them removed.

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Oh - they are not on my reports.  They deleted off a few years ago and gave me a letter (in one of my boxes, I've moved since) saying they were not going to be reporting/collecting.

[fishbjc]

IF Portfolio owns the debt, they would pursue it.  Chances are excellent that it's been sold to another agency, OR eventually a Junk Buyer. 

Portfolio can't take away your birthday....remember that