I had two charged off accounts with Capital One on my CSC credit report with date of activity June 2007. These accounts were due to come off May 2007, and they did. Now the bad part, the next month the same accounts were back on my report, showing a date of last activity January 2008. Even worse, they show 90 days late as of May 2007!
I contacted the FTC, was advised to use the dispute process, certified letter and everything, which I did. After taking a full 45 days, the accounts are still on my report. The last person I talked with at the FTC wasn't very helpful, and suggested I contact Capital One. Well, I can't find any contact information for Capital One. What would I say to them if I did reach someone?
My main question is, can these accounts be put back on my report after being removed? What if I wait until January 08 and this happens again? The accounts are gone from TU, do to be removed from Experian in October. I have had no problems with those companies, however, CSC is just unreal. Any advice would be greatly appreciated, as my score was around 635 without the accounts, and 585 with them. Thank you all very much.
Bradfordhog
