Mortgage and Insurance

Hi,

Just went via backdoor to Experian. I have a CO for an HSBC account that was paid in May of 08 paid directly to the CA (that is neither here nor there however).

 

But I don’t understand how can HSBC report  two charge off dates when the account was charged off Nov 07, how could that  possibly be accurate? This account was paid off in 2008, not 2009.

 

Account History:
Charge Off as of Feb 2009, Nov 2007
150 days past due as of Oct 2007
120 days past due as of Sep 2007

 

I also THINK I am unable to  dispute b/c now I have the litte tag about consumer disputes, consumer disagrees language..

 

What are my options? There is also not a removal date for this item. Experian typically has “this account is scheduled to report until XXX date”.

 

Any  help advice is always appreciated. Thank you.