Hello all I am at the end of my rope and don't know what to do, here goes my story. Years ago I had a capitol one card with a $300 limit, after I got divorced I had too many expenses so I did not pay it and it grew to 1300 I owed. So I get a letter from a law firm (collection agency) that I am being sued so I start making payments ($25) a week.
After a few months things got better I called the collection agency to ask how much was left they said $150 so I sent a check in with final Payment in the memo and ten received a letter from the attorney saying the case was dismissed. Ok now here is where things get stupid, I pull my credit report and cap one is on there saying I have a balance of 4365 that is past due and they keep reporting my negative every month, so I call the collection agency they cannot figure out why so I call cap one they have NO record of me at all. They said it was transferred to legal, so I speak to legal they say yes it was paid your fine HOWEVER every month since cap one is reporting me negative I dispute it they verify when I call them they say they don't know who is verifying. But they keep on doing it so I make huge mailings to all 3 bureaus including cancelled checks, over a years worth of transactions to cap one and the letter from capitol ones collection company saying the case was dismissed with no cost to me, now I am told it's not enough. How much more do I need to prove a debt isn't mine?
So after getting a letter from Experian last month saying the debt was verified again (I dispute it constantly) I called in person they told me it had been marked paid, I was over joyed got a fresh copy of my report to see my score jumped 80 points and cap one said current/closed. Then I get a letter from transunion saying it has been verified so I call them saying how can this be Experian reported it paid, so I got another copy to fine this month cap one reported I owe $365.
Can anyone tell me what to do? They are telling the bureaus I owe them money, they are telling me I don't and even if I wanted to pay the $365 and make it go away I can't because they have no record of me, what can I do???
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