Hi guys: I sent this DV to Capital One. To Whom it may concern This letter is response to a letter I received from you regarding account ending 1387. I demanded that you investigate this account and the information your Company is reporting to the Credit Bureaus According to the Far (FACRA) laws: (§ 623. (a)(8) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER). Case law has established for the past few years that the Original Creditor can be held liable for reporting inaccurate information (Richardson vs. Fleet, Nelson vs. Chase Manhattan ), the FACTA legislation passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor in the FCRA, has supplied to the credit bureaus In order to clear up this matter, I want to see, all documentation related to this account to prove, I indeed am the owner of this account and that the information is being reported accurately. If you don't respond with the results of the investigation (as is required per the FCRA § 623. ( Duties of furnishers of information upon notice of dispute), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. If you cannot or will not verify the account to me yet continue to report the trade line and verify to the fore mentioned credit bureaus than you are in violation of the FCRA – you must remove the entry. At this point, you would also be in violation of the FCRA merely for not responding within the 30-day period. To avoid a lawsuit, I request that you remove any and all information regarding this account from my Credit Reports, at fore mentioned Credit Reporting Agencies. I will seek legal action under § FCRA 623 ( for violations of the FCRA if you do not comply and respond to me with the results of the investigation in 30 days. Respectfully, The response to my letter from Capital One Thanks for contacting us about your Capital One account. We are unable to process your request to validate the debt with the information you provided. To process your request, we need your name, address on file with Capital One, your current address (if different from what we have on file please indicate if you would like us to cirange the address), account number, Social Security number, date of birth, and the case lD that appears at the topof this letter. Mail your documentation to: CapitalOne P.O. Box 30285 salt Lake city, UT 64130-0285 You are a valued customer and we thank you for choosing capital one. lf you have any questions, please give us a call at 800-955-7070. our Customer Service Representatives are available from 8 am to 9pm Eastern Time, Monday through Friday. Sincerely, Capital One Services, LLC PAGE 0l OF 0l 004069 / eA- tsto/oou @ 201t capital one. capital one is a federally registered service mark. All riqtrts reserved. What should be my next step? Thanks!!!!!!!!!