Help me understand

[golo]

Alright, i have a TL in EQ that says:

Balance amount: 778

Amount past due: 778

Date of last payment: 11/2006

Date of first delinquency: 11/2006 

Date maj.Del. 1st Rptd: 07/2007 

Charge amount: 0

Status- Charge off; Type of account - Revolving; Type loan- charge account; Additional information - Charge Off Account.

How can the Date of last payment can be the same as the Date of 1st Delinquency? 

How can the charge ammount be 0? 

Can someone enlight me.This TL it's killing my score.Sighs : (

[JohnPTEX]

Hmmm - Is this an OC or CA reporting?

[golo]

Hi,thank you for your response.Its an OC,Citi cards.

[JohnPTEX]

Thats strange I've never seen the "Charge Amount" line item before - maybe that is your credit limit - not really sure - no clue why the date of last payment and DOFD would be the same unless it was a charge off and you made a payment but not enough to bring it current - but even then I cant imagine why they would accept a payment at all if it was charged off - is the DOFD correct according to your other reports?

[golo]

This account is old and I don't have any records,that's why I'm trying to figure out.I have disputed several times with the CRAs and directly with the furnisher to no avail. Im having a hell of a time with them,cause like I have post it before,on top,this account was forgiven and the debt canceled,a 1099C was issued,but somehow it still shows a balance and it's killing my utilization. I have disputed several times like a said,and nada,I filed a complaint with the BBB and nada.I don't know if I have grounds to sue.

[JohnPTEX]

Have you tried filing a complaint with your state's Attorney General or a complaint with the FTC - I would try those if you've exhausted every other route

[golo]

I will after see what happen with the BBB complaint.The FTC don't pull out their claws until they have enough complaints.The AG is my last card.