I had an FCNB Spiegel card issued in 1992 that was frauduently used in 1993 or 1994. I filed the paperwork with spiegel. They were to close the account and in 1994 they issued me a new account. I subsequently closed that account. I have not charged a thing on a Speigel credit card in over 9 years.
In June NINE years later, this first account appeared on my credit report. It took my scores down from the high 700's to low 600's! I disputed this with the reporting agencies and in Oct. 2003 they responded to me that they had investigated and deleted it.
In Dec Capital One who I guess took over the FCNB accounts, is again, reporting this on my credit report! I called them and the woman I spoke to could not have been nastier. They want me to provide the documentation from 10 years ago, Where were these people for the previous nine years? I have moved 7 times since then! I dont have ppwk from 10 years ago, for something that was a non issue for NINE years.
They have decimated my credit rating and are absolutely no help. This should be illegal.
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