Well I went ahead and filed against Cap1 in civil court in New York for $5000. They are reporting several recent lates to the bureaus. (BTW they are the last negative on my report) Being that I know they did not inform the bureaus of my dispute with them they are in violation of the FCRA. In addition I have proof that they have the wrong address for my account and I have at best received statements only sporadically. I sent them a letter today saying that I would settle if they removed all the derogs. My question is if my proof that they have the wrong address means anything? I hope they dont give me hard time...
