I had a Cap. One Mastercard account that I paid off in 11/99. I also closed the account that month as well. On my 12/99 statement it shows a zero balance and it says "... your account is now closed.." A couple of months ago I pulled my credit reports. On my EX report it shows me 30, then 60 days late in 1/00, and 2/00. I've sent via certified mail my last statement which shows acc. is closed along with a ltr quoting the FCRA guidelines. EX comes back and claims Cap One verifed that I was late in 1/00 and 2/00. I call Cap One speak with a sup and she says no way, we were never contacted, and your account was indeed closed in 12/99. Now my question is, what can I do about this? Grounds for sueing? Secondly, my EX and EQ reports are showing a handful of inq's that I do not remember giving permission for. Lizardking, I know you said you had a good letter for this ( sending to the creditor certified, waiting 30 days, then sending to CRA and if they do not comply, filing suit )... could you e-mail me this ltr (hidden_lasvegas@yahoo.com) thanks for everyones help...
