Capital One illegally reporting my Credit Card account to credit bureaus

Capital One is reporting an Non-reportable credit card account to Credit Bureaus. Capital one was unable to provide me Credit Card agreement, Privacy Notices, Electronic Evidence or other instrument bearing my signature which proves that I have agreed to their "Terms and Conditions". I had " business" with Capital One involving some credit transaction. But there exists NO written, oral or electronic evidence of any signed Credit Card User Agreement between me and Capital One that authorizes them to report about me and the account to Credit Bureaus. i have used Capital One credit card occasionally and is not the evidence that there was some sort of agreement between the parties. Accordingly mere use of credit card is not an "enforceable Credit card agreement".Please visit facebook page on this topic:

http://www.facebook.com/pages/My-fight-with-Capital-One-Credit-Card/108524965...

Category:

People & Blogs

Tags:

• Capital One credit card
• credit card debt
• Credit bureaus
• Credit card reporting
• Experian
• transunion
• equifax
• finance
• economy

[basudebdey]

I am also not an attorney. But Capital one issue educated me in Consumer laws. My DOLA was Dec 2006 and so Ca statute of limitations has expired and they are in limbo. Called Cap one last month and they admitted. They lost any further right of legal proceeding against me to collect money. I just have to wait 2 more years to get it dropped from my CR.

[bc1969214]

When was your last payment? Not an attorney, but California has 4 year statute of limitations for them to pursue again. Although they say they aren't since it was dismissed without prejudice, they might unless California law is different. Sounds like you're close to getting rid of this and now the credit report removal is next.

[ghostleviathan1]

do you know how finance works?