What Should I dispute with this TL?

[DanKenny]

What is the name of your state? PA

Hi,

I have an unpaid balance on my credit card with First Premier Bank (FPB), which I closed after a year. Its been charged-off, and sent to AcademyCollections, who is trying to collect on behalf of FPB.

FPB keeps reporting to the CRAs (AcademyCollections is not reporting). But I believe the reports FPB keeps furnishing the CRAs contains errors, which I want to dispute.

I would be very grateful if you could help me figure out what to dispute. Is there anything really worth disputing (like the balance, when it is set to go off the records, etc)

I have copied the relevant information from the 3 CRAs below:

Thanks - DK
--------------------------------------------------------------
Equifax
Account #: xxxxxx
Date Opened: 6/2004
Credit Limit: $0
Months Rvd: 31
ActivityDesc: Closed
Balance: $400
PastDue: $400
Date of LastPmt: 7/2006
Date of LastActivity:8/2006
Date Mjr Delinq 1st Reported: 12/2006
Charge off amt: $400


Transunion

Balance: $399
PayStatus: Charged off as bad debt
Date Verified: 1/2007
Date Opened: 6/2004
Date Closed: 6/2005
Account type: Revolving Acct
High Balance: $399
Credit Limit: $300
Past Due: $399
Responsibility: Individual
Estimated date that this item will be removed: 5/2012

Experian

Status: Charged off (past due 90 days) written off
Past Due Amt: $400 as of Feb 2007
Date Opened: 6/2004
Reported since: 7/2004
Date of status: 12/2006
Type: Revolving
Monthly payment: $0
Credit Limit/orginal amt: n/a
High balance: $399
Recent Balance: $400 as of 2/2007
Item scheduled to continue on record until June 2013

[Debt Guy]

Exactly, what are the errors?

[FlyingRon]

I'm not sure why you are playing games here. Pay the $400. Things are not just going away in collections. There doesn't appear to be anything to protest here. Chargeoff doesn't make things go away, it just means that the credit card company no longer claims your $400 as an potential asset anymore.

The "estimated" time thing isn't part of your credit report. It's just something that they put in the thing they send to you in case you can't figure out how to add seven to the dola.