You hear som much about disputing debts on here and in other places on the internet, and i have never paid much attention because I know my debts to be accurate. However, i have had a complication with the date of last activity on one of my accounts. They say I stopped paying in june of 2006, however I know I was paying until that winter (although not sure of exact month.) i dont quite understand how the date of last activity makes such a difference to this this matter, but im thinking that this may be an appropriate situation to write a dispute letter. Am I right or wrong? again, the debt is accurate, but the last activity date is definitely wrong as well as charg-off date. Any thoughts?