October 27
Experian
P.O. Box 9556
Allen, TX 75013
Capital One Bank
P.O. Box 85049
Richmond, VA 23286-9228
Interoffice code: 63001-0125
To a Senior Level Supervisor,
Notice of Demand to remove inaccurate information
I am please asking the Experian Company and the Capital One Bank Company to remove an entry on my credit report that has caused me to suffer additional payments because of the entry on my credit report.
The entry states that I opened an account with Capital One Bank
Account Number: xx819.
Date opened was 04
Equifax Status: Debt included in bankruptcy Jan 03
This account was opened in 04 and was NEVER part of a bankruptcy. Not in 2000 or EVER.
I have tried numerous times, over the last year, to get this entry off my report. I purchased a new home last month and had to take a higher interest rate because of this inaccurate fact on my credit.
On October 25, I spoke with a representative from Capital One Bank, by the name of Jackie. Jackie told me she was unable to take the entry off my record and that her records do not indicate anywhere that they reported this account in bankruptcy (that the account shows closed).
I have disputed this account several times, both in written and electronically with Experian. Each time, Experian writes back that this information was verified with the creditor and remains unchanged.
This is not just another feeble attempt on my part to get another response back from Experian or Capital One Bank that the information remains. I am writing this information and sending it in certified mail so that I may take court action in the next thirty (30) days if this matter has not been cleared up.
I am not a person that makes threats and I do not want this communication to appear that way. This communication is just a piece of evidence, in the many pieces of evidence, that I plan to use in court, if needed.
Please provide me, within the next thirty (30) days, proof that the entry has been removed from my report and forward this information to all creditors that have received my report within the last six (6) months. Also, I request a copy of my complete report.
Respectfully Submitted
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