Thank you for taking the time to reply. The FCRA is a great place to start and I believe my situation falls within the protections it affords.

My challenge has been getting others (CRAs, mainly) to recognize the unusual nature of this account. I've disputed this a few times now and specifically stated in the dispute that an account which hasn't had a payment in six years cannot be classified as "active" (according to FDIC rules, at least) - the CRA probably ignores that detail and simply asks the creditor to verify the account without respect to the last payment date.

I'm happy to pay for professional help with this matter. Anyone know a lawyer in Austin, Texas who can help? (Note that I'm not interested in filing bankruptcy.)

Thank you.