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  1. #1
    Join Date
    Jan 2007
    Posts
    5

    Default Problems with Capital One

    I had a chapter 7 BK in 2004. Most accounts were reporting the info correctly.

    November 2006 I pull my credit report and see that in Feb 06 capital one started reporting a 2004 discharged account as 90 days past due.

    I called cap one and told them of the error. The updated it incorrectly and it now says for that account included in BK on nov 06. I have sent c&d letters cmrrr to capital one, and I have disputed it with the CRA. The CRA came back as updated and left the info the same, and capital one has yet to respond to my letters demanding deletion. I am thinking of sending cap one one more letter and if this does not work will I have enough to sue them for the innaccuracies and unwillingness to fix them? I just sent another dispute out to the CRA after I was sure capital one recieved my letter stating the account was incorrect, will this give me enough for "willful" if they continue to update it with the CRA after I have informed them of the error? If I can sue, what is the best venue? Thks Chris from Michigan

  2. #2
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,846

    Default Re: Problems with Capital One

    Make sure that your request is for something you have the right to obtain. If you send a demand that incorrect information be corrected, they are supposed to verify and correct it. The creditor doesn't have to delete a negative entry just because it includes an error - they only have to correct the error.

  3. #3
    Join Date
    Jan 2007
    Posts
    5

    Default Re: Problems with Capital One

    Is there a point where deletion would be proper? I have disputed this with ht ecra's which is why I want a deletion now, capital one keeps verifing this incorrect info.

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