Hi there, I had a CapitalOne account that was discharged as part of my CH 7 b/k case. Cap1 reported nothing from the date of filing May '05 until Feb '06. Beginning in Feb '06, they started reporting 30days late each month through June so far. What is the best route to take here? Do I file the complaint with Cap1 or the credit bureau (TransUnion)? Are there any samples that I can use for my letter? I looked in the sample letter forum but couldn't find anything that seemed to fit. Are there any rules/laws I can reference in my letter? Thanks!