I disputed an old HSBC charge-off (status of "Transferred, closed. $1066 written off" as of 3/2009) because it had a different fall-off date/DOFD as a corresponding collection from 1st Fund Inv. I had called EX on Monday because the HSBC account listed 9/2015 as the fall off date, but the collection had a fall off date of 5/2015. The HSBC account came back updated today and they removed ALL negative reporting (including all monthly history). It only shows CLS in 3/2009 now in the history and transferred to another lender as status. Before, the monthly history had a 150 late, 120 late, 90 late, 60 late and 30 late. ALL GONE. It is now showing in the "Accounts in Good Standing" section with the notation will continue on record until 2019. I'm confused but happy!
