Is Cap One spinning me in circles?

[Anonymous]

Hi all! 

After reading through the boards, I learned so much and felt this would be the best place to get some advice.

I currently have a Capital One charge off on my EQ CR for 3k that I have no knowledge of, as I have never had a Cap 1 card. 

I wrote a DV letter to EQ and they sent me a letter back saying that they verified the account. I then contacted Cap 1 by phone and they had no record of this account after giving them my info, ss# ect – apparently the account is not current. I was given an address to send correspondence to. I then sent a DV letter to the Cap 1 “Closed Accounts” dept, with a copy of my CR, and requested any contracts, statements, etc that went along with this acct. 

A few weeks letter, I received a letter from Cap 1 requesting ‘more information’  

Weird thing is the ‘more information’ that they were requesting was already in the packet I had sent them – are they spinning me around in circles? I’m frustrated and just want this tradeline off of my report. Cap 1 has even reported to EQ as recent as May 2009, and has been doing so. 

What do I do?? How can I find out where this account is??? 

Please help! Thanks everyone.

Message Edited by aaden on 06-29-2009 08:28 AM

Message Edited by aaden on 06-29-2009 08:28 AM

[llecs]

First, DV letters can't be sent to CRAs (EQ) or OCs (CapOne). DVs are allowed by the FDCPA and are only for CAs.

I'd call CapOne and hammer out the details. If you suspect ID theft, then consider filing a police report. That report will go a long way in getting it removed.

[JoeBJay20]

Technically, you can't DV an OC, only a CA.  The ability to DV is governed by the FDCPA, which regulates CA.  However, you can request documentatation from OCs after they have verified an account you disputed directly with the CRAs (which you have done) under the FCRA.  The letter doesn't need to be fancy, just simply write that you disputed this account with the CRAs and Cap1 verified it as accurate, and that you are requesting documentation supporting this listing (statements, signed CC agreement, etc) as set forth in section 623 of the FCRA.  You don't need to provide any more information than your name, an address to send correspondence, and the account number.