Capital One misreporting my debt

It is likely ridiculous interest and fees...they can hit you with over the limit fees and your interest rate can skyrocket. Unfortunately they do this and there is little to nothing you can do about it.

Unfortunately they are not misreporting the debt as "new" what they are doing is updating the account which they can do.

With that being said, they do have a duty to report accurate information. Check your contract to see what they can tack on as fees and interest and figure it out...if it is wrong then you can do something about it.

They are reporting every month as a charge off after they already have a judgement against me which is now paid. It was charged off in 04 the first time and everymonth after that. The court paperwork is under 3000 that they got the judgement for.

the -3000 was including all lawyer and court fees.

If it is paid then it should show as being closed and paid off. Send a letter to the CA asking them to please update the account as it is reporting incorrectly and that is a violation. Send this letter certified mail, return receipt. When you get confirmation then dispute the account with the CRAs. When it comes back verified and/or the CA doesn't respond, you can then send them an intent to sue letter, because you have shown them the obvious faults of the account, so they can claim no bona fide error.