Legal Question in Credit and Debt Law in Texas

13 year old debt redated by coll. agency to show current

Capital One purchased a debt from Fidelity that Fidelity removed in 1997, not being valid. Capital One redated the debt to show 06/2003 and will not remove it from my credit report.

How do I get it off my report and how do they circumvent the law by re-dating for credit bureau purposes?

Thank you,

--name removed--Springfield


Asked on 1/09/04, 12:37 pm

1 Answer from Attorneys
Sharon Campbell Sharon K. Campbell

Re: 13 year old debt redated by coll. agency to show current

If you make a written request to the credit reporting agency (each one that is reporting it) and show your documentation that it is not legitimate, if they refuse to remove it, you have a cause of action against them for Fair Credit Reporting Act and Fair Debt Collection Practices violations.If you have sent those letters, you should contact an attorney. Feel free to contact me - I handle those type of cases.

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Answered on 1/09/04, 1:10 pm


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