Capital One Debt Collection Complaint

Capital One Debt collection department,

Credit card Disclosure verification of debt Not given enough info to verify debt Florida

Capital One has been reporting a Charge Off current even though it was charge off since -/-/-. I been trying since -/-/- to have this debt validated in -/-/- they send me a verification letter saying they no longer owe this debt that it was transfer to - -. It stated the account was sold and that their records indicate any balance that may be due was transferred in the sale. I never recall any such credit collection company being on my credit report. I currently initiated a dispute again with all 3 credit bureau Capital One is still showing this charge off from -/-/- with a balance of $2500.00 and a high balance of $2400.00. I got the result back and Capital One and collection agency verifies that they believe the account is being reported accurately. But what Capital One is doing to the credit reporting agencies a more recent status date, thereby extending the negative reporting of the charged-off account. This illegal practice will hurt your credit score. " Re-Aging '' a delinquent account is a serious violation of the FCRA. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance.