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dunky

settlement letter

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I just recieved a letter from Risk Management offering to settle a Capital One debt that is due to roll off my report in 5 months. It had "this is a debt collector. This is an attempt to collect debty and any information obtained will be used for that purpose", written on it, but it also had an offer top settle for half the amount. I recieved it during the validation period. I actualy asked for validation back in July on this and this is the only thing i have ever received. They are still reporting on one of the bureaus (Experian, of course!!). Any way, can i file suit against them for continuing to report and sending this collection letter. I believe I've sent a few letters of to them requesting validation and have yet to get an answer.

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yes, it was up 3 years ago. I'm just concerned about whether It is best to just wait the 5 months until it drops off or sue them anyway as what they are doing is illegal?

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