sheri Posted September 4, 2008 Report Share Posted September 4, 2008 Hello, I have a debt that showed up on my credit report in june of this year. right away I disputed it with the CRA's. It came back as verified. The OC is capital One. The CA is Zenith Acquisitions. The account is showing opened in march of 2008. I called Capital One and they said they had no account with my name. They even sent a letter stating that. I filed a ID Theft report with the police in my town. I talked with Zenith on the phone who told me that the account was originaly opened in 11/2000 and that the account was closed and sent back to his main office.(I have no proof of this.) I have sent copies of all this to all 3 CRA's and they said they cant do anything with the information. So if no one has this account then how do I get it off of my credit report? PLEASE, if anyone has any advice. I dont know what to do from here.Thank You Link to comment Share on other sites More sharing options...
Bigwoodystyl Posted September 4, 2008 Report Share Posted September 4, 2008 Hello, I have a debt that showed up on my credit report in june of this year. right away I disputed it with the CRA's. It came back as verified. The OC is capital One. The CA is Zenith Acquisitions. The account is showing opened in march of 2008. I called Capital One and they said they had no account with my name. They even sent a letter stating that. I filed a ID Theft report with the police in my town. I talked with Zenith on the phone who told me that the account was originaly opened in 11/2000 and that the account was closed and sent back to his main office.(I have no proof of this.) I have sent copies of all this to all 3 CRA's and they said they cant do anything with the information. So if no one has this account then how do I get it off of my credit report? PLEASE, if anyone has any advice. I dont know what to do from here.Thank YouI will give my answer in the form of a haiku...Deeper, you must digCredit repair not easyCapital One Sucks! 1 Link to comment Share on other sites More sharing options...
bigswanging23 Posted September 4, 2008 Report Share Posted September 4, 2008 I will give my answer in the form of a haiku...Deeper, you must digCredit repair not easyCapital One Sucks!Easily the post of the week. You deserve an 80's-movie-style slow clap for that. Superb. Link to comment Share on other sites More sharing options...
Bigwoodystyl Posted September 4, 2008 Report Share Posted September 4, 2008 Always appreciate the love.. Link to comment Share on other sites More sharing options...
Diane08 Posted September 5, 2008 Report Share Posted September 5, 2008 I have a similar thing with Zenith. You made more headway with me---I can't even contact them---my letters keep getting returned unable to deliver. I never received any kind of correspondence from Zenith, but yet on my credit report, there is a collection account that was opened on 3/2008. (And that raises a question: Is this re-aging an account??) The original creditor is Capital One also, and I have never had an account with them, except a Mastecard that I have with them now!!! Nobody can provide proof of this account---and Zenith doesn't even respond to my letters. It is so frustrating and annoying.I am just giong to write to FTC, BBB and AG in New York. This is ridiculous and has to be stopped. If I can't get any satisfaction from the credit bureaus or Zenith, it's time to try and get satisfaction from those other agencies. I dispute it with credit bureaus, it comes back as "verified"---I wrote to all 3 of them requesting what kind of information they used to verify this account----who knows if they will respond correctly.It is ridiculous that the collection agencies are allowed to function this way, and ruin someone's credit illegally. Link to comment Share on other sites More sharing options...
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