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Question By
sll37

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can i challenge this incorrect last payment date report on my credit file?
Hi Community,
would i be able to challenge this incorrect last payment date report on my credit file to remove the negative account?
Here the short description on my issue.
I have my vehicle repos in sometime sept. 2010.
In the credit report, it list my last payment date May, 2011.

Here the report from TU, EX.
Jul 30, 2012 Oct 31, 2010
Creditor Name WELLS FARGO AUTO LOS WELLSRECOVER
Account Type Auto Automobile
Account Status Closed Closed - Derogatory
Opened Date May 30, 2007 May 30, 2007
Closed Date -- Oct 31, 2010
Limit -- --
Term 73 Months 73 Months
Monthly Payment -- $0
Responsibility Individual Account. Individual
Balance $0 $0
Highest Balance -- $29,456
Payment Status Collection/Charge-Off Collection/Charge-Off
Worst Payment Status -- Unknown
Date of Last Payment May 01, 2011 May 16, 2011
Amount Past Due -- $0
Times 30/60/90 Days Late 3/1/0 0/0/0
Remarks Charged off account

Can i challenge this to remove out of my report?

Thx

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Top Contributor
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3809 People Helped

Sorry, but the date of last payment shown likely was what they got at the auction when they sold the vehicle.  At least they are not showing that you still owe money on the car.  Just let it ride as it is and don't buy more car than you can reasonably afford the next time, if there is one. 

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