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First things first- punctuation is a wonderful thing. They teach it in school for a reason.
As to reporting, never trust a tri-merge report for specific facts on a tradeline. They are not always accurate in the manner in which they compress and distort information from the Big 3. Secondly, Date of Last Activity does not mean a date you necessarily utilized the account. It simply reflects the last date that ANY activity happened with the tradeline. It could be a date that a dispute was responded to or it could be a date that some other activity transpired. As far as a closure date, it again becomes imperative to know what is on a REAL report, not the tri-merge crap.
Another consideration on closure dates is that it is entirely possible that CrapOne finally sold off your account, thereby closing it on their books. They are a rarity in that they rarely sell off their paper.
Until you have REAL reports, no assessments worth a damn may be made on whether there are issues that *might* be actionable. Granted, I am sure there will be other sites that would tell you that such mundane details don't matter, but we tend to like to make sure on this site that people have their ducks in a row before going off half-cocked...
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I am not *your* attorney and you are not *my* client. Nothing in this post shall be construed as establishing an attorney-client relationship.
Would you rather us tell you what WILL happen or would you rather have rah-rah bull-droppings from someplace else?
Hint to the prospective pro se litigant that believes they can run up expenses with impunity or disregard direction from the Court: You CAN be sanctioned. Just ask Craig Cunningham or read the Order... | 
