What would you do if an old debt from 2002 resurfaced?

[Anonymous]

ANd when you researched it the account was listed on your

BK.  AFNI brought an old account out of the attic.  I know it was wrong, but what steps should I take to get it off (in order).  I already disputed it and it was verified.

[Anonymous]

How did you dispute? Online or in writing?

What was the reason you used? IIB , not mine?

[Anonymous]

Online  And part of  Bankruptcy or something like that.  That would make it 5 years old.

[Anonymous]

Since I have not had anymore answers, I plan to send Charter, the original creditor, a nasty letter.  Here is what it will read:

Charter Communications
Attn: Legal Department

12405 Powerscourt Dr
St Louis, MO, 63131-3673

January 28, 2008

Re:############      SS# ending in ####

To Charter Communications Collection Department:

I recently pulled my credit report from Experian, Equifax and TransUnion and noticed this account was listed on each of my reports as a collection/charge off. I immediately disputed this information with Experian, Equifax and TransUnion and the results of the investigation came back as "verified". After talking to AFNI (Carolyn) their records show this account as a 2002 charge off that is listed as a 2007 account.   
My report is stating that the account is from 2007, which is not true. 

I understand that you may have made a mistake, so I disputed the account with the credit bureaus.  It came back as a verified debt.  Therefore you are ignoring a court order.   Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it.  You will see that this account should have never been sent to AFNI.   THIS ACCOUNT WAS LISTED IN MY 2002 BANKRUPTCY.

I will seek legal action under § FCRA 623 (b) for violations of the FCRA if you do not comply and respond to me with the results of the investigation within 15 days of your receipt of this letter.  I will also contact the FTC, the Missouri Attorney Generals Office and the Better Business Bureau of Eastern Missouri to complain about your unjust practices. 

To avoid a lawsuit, I request that you tell AFNI to remove the account from my credit report within 15 days of this letter. I am not an attorney but an informed consumer.  This letter is intended to solve the situation before getting legal counsel involved.

Any thoughts???