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I disputed capital one online before reading all this info on this forum. Then I sent validation letters and finally got an answer. They want me to send them
The full name of the cardmember indicated on account.
The full account #
Social security #
current address
detailed explanation of request
a copy of the page from my credit report indicating the account refrenced.
They want me to mail info then will will do investigation.
Is this how this process is supposed to work? seems like that is alot of info to have to give and they should have all of it since they are reporting it on credit reports.
Also I finally got answer from portfolio recovery as well- its a letter head stating this establishes validity.
The letter following is so plain and looks like they made it up. I could have made a more professional looking letter.They spelled my last name wrong.
It just says the following
capital one bank usa
seller reply:
From: seller
Sent: wednesday Sept 10 2014
To: Disputes
Subject: Please confirm account was paid for
There is no record of this account being paid.
There is no other info.
All they did was type this up. I dont know how they can even get away with this.
Can anyone tell me what to do for both of these? Portfolio I did send email to address i got from member on here so I am awaiting response. But, I am so confused and lost on how to deal with there errors. We were trying to buy a home in March and I am getting no where with all the errors and incorrect info on my reports. Capital one is the worse. I had a bankruptcy in 2007 and did include an account with them- they updated it to show in bankruptcy but shows paid in full/charge off. How can it be both? I actually have 2 accounts with them reporting paid in full/charge off. They keep verifing this info to. Im lost!
Thanks so much for your help and I will follow all your advice and hope this works out. So stressful! Capital one I gave the normal info in my request, The account info and name and phone #. I never gave my social security # because I didnt think it was a good idea to give more info then necessary plus I disputed it several times so someone should figure it out- or so i thought lol- i really appreciate the advice!