We are in the process of trying to purchase a home and had a report pulled for pre=qualifying purposes. Lo and Behold, Capitol One claims I opened a card in 2005. We called and spoke to a person by the name of Carlos who could not find any history of me, S.S. # etc. We aske dhim to remove the false info. He refused and directed us to dispute it through the 3 bureaus (what a joke). Capitoll One still claimed the accoutn was mine and even went so far as to say that we piad a payment in 2007. Just so they could adda new date to the bogus credit report. Some one please tell me of an easy way to remove this from my report.
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