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Received a letter from Van Ru Credit last month collecting on a cap one account. sent the dv request. Waited the thirty days. on the thirtieth day, no lie, i receive a letter from Cap One that just says your inquiry has been referred to the appropriate department for response. so, do i write the Van Ru guys back and say i asked you for validation and you didn't send it or do i dv cap one? you can dv oc in my state. thanks in advance for the help!

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