I need some direction on a dispute I made on an old collection. I had a car repossessed 8 years ago and it was sold after they repossessed it. They reported that I still owed $2800 but the account is 8 years old and fell off my report 2 years ago. All of a sudden a few months ago I get a ding on my credit from collection agency stating I owe the $ and that it was reported as of 10-2015 which also stated I made a payment in 9-2011 which I NEVER made. I disputed with Transunion that I never made a payment to this collector and that the information is inaccurate and that statute of limitations is up on the original debt. They came back saying the account was verified. :{ What do I do from here? Don't want to wake a sleeping giant by contacting the collection agency but I did NOT make any payment to Southland (OC) OR this collection agency after the car was repossessed. The last payment on the car was made around 8 years ago. I have read that the statute of limitations is 7 years + 180 days after the loan was in default (I'm in California). Can't I legitimately get this removed? Please advise! TIA!
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