Legal Question in Credit and Debt Law in Virginia

Good Afternoon,
During a check of my credit report last year, I found that an unsatisfied judgment was still begin reported from Capital One. The judgment was valid in 2004 but was resolved and paid in August of 2005. After discovering this, I called capital one customer service on 7/21/2009. They were unable to find any records of this account and suggested that I write to their Credit Bureau Dispute Center in Utah.
My first letter was written to them on 07/27/09. I never received a response so I wrote another letter on 08/18/09. Again no response. I forgot about the issue until recently and wrote them another letter on 04/09/2010 referencing the other two letter I had already written. I have just finished writing my 4th letter to them today and informed them that if I did not get a reply and resolution within 30 days from today, that I will report this to the FTC for further action.
Is this the correct course of action or is there something else I should do?

Asked on 6/10/10, 12:11 pm

Michael Hendrickson Law Office Michael E. Hendrickson

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0 attorneys agreed

Start dealing with the Credit Reporting Agencies rather than Capital One.

Under the Fair Credit Reporting Act( FCRA), inaccurate, incomplete, or unverifiable information must be removed by the credit reporting agency within

about 30 days from the date that it is notified of such information.

Answered on 6/10/10, 5:19 pm

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