Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Company Name : Capital One Issue : Debt Collection Failure to Investigate Disputed Debt Complaint Details : I am filing this complaint against Capital One for failing to conduct a proper investigation into a debt they claim I owe. I have disputed this debt and requested verification, yet Capital One has not provided sufficient proof that this debt belongs to me. Instead, they sent me an electronically signed document that I have never seen before, which does not constitute proper validation. 

Capital Ones actions ( or lack thereof ) violate multiple consumer protection laws, including but not limited to : XXXX. Fair Credit Reporting Act ( FCRA ) Violations ( 15 U.S.C. 1681 et seq. ) Failure to Conduct a Reasonable Investigation ( 1681s-2 ( b ) ) : Capital One is required to conduct a proper investigation when a consumer disputes a debt. Instead of verifying the debt with sufficient documentation, they have relied on an electronically signed document that I have never seen before. 
Failure to Provide Proper Debt Verification ( 1681g ) : I have the right to request complete verification of the alleged debt, including original account details, signed agreements, and proof of ownership. Capital One has failed to provide this. 
Reporting Inaccurate Information ( 1681s-2 ( a ) ) : If Capital One has reported this debt to credit bureaus without properly verifying it, they are furnishing inaccurate information, which is a violation of the FCRA. 

XXXX. Fair Debt Collection Practices Act ( FDCPA ) Violations ( 15 U.S.C. 1692 et seq. ) Failure to Provide Proper Debt Validation ( 1692g ) : Under the FDCPA, when a debt is disputed, the debt collector ( or creditor acting as a collector ) must provide sufficient validation. An electronically signed document without further proof is not adequate validation.

Continuing Collection Efforts Without Validation ( 1692g ( b ) ) : A creditor can not continue collection efforts without first providing proper verification of the debt. If Capital One is still attempting to collect, they are violating this provision.

Use of False or Misleading Representations ( 1692e ) : By failing to properly verify the debt and continuing collection efforts, Capital One may be misrepresenting the legitimacy of the debt. 

XXXX. Consumer Financial Protection Act ( CFPA ) Violations ( 12 U.S.C. 5531, 5536 ) Unfair, Deceptive, or Abusive Acts or Practices ( UDAAPs ) : The CFPB prohibits financial institutions from engaging in unfair, deceptive, or abusive acts. XXXX Ones failure to properly investigate and verify this debt while continuing collection efforts constitutes an unfair practice. 

Requested Action : I request that Capital One : 1. Conduct a full and proper investigation into this disputed debt, as required by federal law. 
XXXX. Provide clear, verifiable documentation proving that I owe this debt. This must include a complete account history, original signed agreements, and proof that Capital One has the legal right to collect this debt. 
XXXX. Cease all collection activity and remove any negative credit reporting if they can not provide legitimate verification. 
XXXX. Ensure compliance with federal law by correcting any violations and preventing future occurrences. 

XXXX Ones failure to comply with federal law has caused undue stress and potential damage to my credit. I request CFPBs immediate intervention to ensure that Capital One meets its legal obligations. 

Supporting Documents : ( Attach any dispute letters you have sent, XXXX XXXX response, credit reports, or other relevant documents. ) Thank you for your attention to this matter. I look forward to your prompt action. 



This version clearly lays out the laws Capital One XXXX have violated, which will strengthen your complaint.