To Whom It May Concern:
I was a Capital One cardholder approximately 4 years ago. But my relationship with Capital One ended when I filed for Chapter 13 Bankruptcy in 2004 and any/all accounts with Capital One were paid. My Chapter 13 was discharged in September 2005.
I’m currently in the process of refinancing my home. During the process of pulling my credit report, my mortgage broker brought to my attention that Capital One is still reporting an open balance of $1,377.00. My broker informed me that I have to clear this issue up with Capital One before I can finalize the refinancing of my home.
The loan underwriter informed me that I need a letter from Capital One stating that I do not owe Capital One any funds. This letter to Capital One Bankruptcy Department shall serve as my formal request for said letter.
It is a violation under FCRA to report inaccurate/incomplete information on consumer’s credit reports
I greatly appreciate your prompt attention to this matter as it is delaying the process of my refinancing process.
Please review my letter and let me know if I should include any other info. Also, is it FCRA that they are violating? or should I just delete that sentence?
Any/all advice is helpfull.