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CA needs more info to validate? anyone?


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I recently disputed a cap1 account opened in 2002 closed 2004?

All 3 Bureaus "verified" as accurate.

Sent debt validation letter to Cap1 using info off Credit Report:

IE: My Name, Account Number 1654327XXXX.

Received a response from Cap1 saying they need more info, they can't find an account under that number.

That's the only number the Credit Report provided me with.(I know the last 4 are blacked out apparently)

I don't want to give them more information.

My question is, "How can the credit bureaus have VERIFIED this debt, when I sent Cap1 what they sent me?

Any suggestions?

Should I send that response to CRA's requesting a deletion?

Thanks you guys.

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  • 3 weeks later...

Sent debt validation letter to Cap1 using info off Credit Report:

IE: My Name, Account Number 1654327XXXX.

Received a response from Cap1 saying they need more info, they can't find an account under that number.

That's the only number the Credit Report provided me with.(I know the last 4 are blacked out apparently)

Did you get your report online? Most of the time online reports come with the last numbers in "XXXX". I assume its for privacy sake but I think its stupid since we already pasted all the Q&A they ask us to get that report in the first place. You will need to get a paper copy mailed to you to get the full account numbers on your report.

I did notice though that EQ and EX tend to do it that way but when I pulled my Trans it came with complete account numbers.

Hope this helps you out.

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