https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-with-Credit-Card-Charge-off-that-doesn-t-belong/m-p/4342545#M454836 <P>We contacted cap one but they say they have no records.&nbsp; We are at a loss.&nbsp;</P> Mon, 23 Nov 2015 16:59:04 GMT Anonymous 2015-11-23T16:59:04Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-with-Credit-Card-Charge-off-that-doesn-t-belong/m-p/4342466#M454815 <P>Ok...so while helping my sister tackle stuff this one is next on the list.&nbsp; We are addressing one thing at a time.</P><P>&nbsp;</P><P>On her report under adverse account:&nbsp; there is a capial one cc that is listed as sold off/transfered to another agency.&nbsp; It was opened in 11/2010.&nbsp; Was open just under 18 months and closed as charged off.&nbsp; A collection letter has never been sent to my sister and no such collection is listed on any report.&nbsp;&nbsp;She has no memory of this card.&nbsp; To boot... she has 3 capital one cards with them:&nbsp;a quicksilver visa, a rebuilder card from long ago just after her chap 7 (2010), and a sony card.&nbsp; The rebuilder card was opened just one month after the other card and she has had that one ever since.&nbsp;&nbsp;The card in question was charged off in&nbsp;4/2012.&nbsp; We challenged it via TU and they said it was valid.&nbsp; What can I do next?</P> Mon, 23 Nov 2015 16:10:02 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-with-Credit-Card-Charge-off-that-doesn-t-belong/m-p/4342466#M454815 Anonymous 2015-11-23T16:10:02Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-with-Credit-Card-Charge-off-that-doesn-t-belong/m-p/4342524#M454828 <P>They apparently have internal records to support the account if they verified.</P><P>As a next step, I would call and request additional info about the account.&nbsp; Perhaps it will refresh your memory.</P> Mon, 23 Nov 2015 16:47:38 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-with-Credit-Card-Charge-off-that-doesn-t-belong/m-p/4342524#M454828 RobertEG 2015-11-23T16:47:38Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-with-Credit-Card-Charge-off-that-doesn-t-belong/m-p/4342545#M454836 <P>We contacted cap one but they say they have no records.&nbsp; We are at a loss.&nbsp;</P> Mon, 23 Nov 2015 16:59:04 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-with-Credit-Card-Charge-off-that-doesn-t-belong/m-p/4342545#M454836 Anonymous 2015-11-23T16:59:04Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-with-Credit-Card-Charge-off-that-doesn-t-belong/m-p/4342561#M454842 <P>Then you have two options.</P><P>1. You can treat it as an identity theft issue, file a police report, and send it to the CRA, requsting block of the account under FCRA 605B.</P><P>&nbsp;</P><P>2. You can file a dispute over the accuracy of its reporting.&nbsp; Problem there is that it is difficult to provide any documentation of a negative.</P><P>A formal dispute will cause a more thorough review of their records, and perhaps will lead them to report deletion of the account.</P> Mon, 23 Nov 2015 17:06:48 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-with-Credit-Card-Charge-off-that-doesn-t-belong/m-p/4342561#M454842 RobertEG 2015-11-23T17:06:48Z