Years ago, I think XXXX, I saw on a credit report that and old credit card debt from MBNA was charged off. Did not check again until I was informed by XXXX XXXX this month XXXX 2015, that there was a Judgment Lien on my credit report. XXXX Portfolio had obtained a default judgment against me without any notice to dispute. I had no knowledge of the lien for almost seven years. I believe this debt was charged off and the sold to XXXX who then tried to collect on an expired debt. I looked up XXXX on your sight and found out I am not alone, that thousands of consumers are being punished for fraudulent and illegal practices committed by XXXX. Now I found out XXXX sold the same time-barred account to XXXX XXXX and they are continuing to try and collect the same account that was charged off by the original creditor. Looking at Consent Order XXXX I think I am XXXX of the Eligible Consumers who should have the judgment vacated and removed from my credit report. Thanks in advance for any information or help your organization can provide. I did learn that now I will check my credit report at least once a year. 
