Consumer complaint received 2020-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Now, the Fair Credit Reporting Act states that the credit bureaus must report all information accurately. Now, that means all of the data must be reported accurately. And if it's not reported accurately, then it has to be deleted. I have never done business with Capital one bank yet they are reporting that I do. After discovering them on my credit file on XX/XX/XXXX. 
Ive done multiple disputes with XXXX XXXX & XXXX. Along with complaints made to the CFPB and XXXX. 
Cfpb complaint XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX complaint XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX in a response through the cfpb capital one bank stated that they are not reporting this erroneous account that they claim I owe. Ive attached that response from capital one along with my credit report showing that are in fact still reporting to the Credit Reporting Agencys. I was also notified by the credit monitoring app XXXX XXXX that capital one closed and account on XX/XX/XXXX and on XX/XX/XXXX I was also notified that the payment history had been update also Ive never made any payments to this company. Also in their response capital one claimed that XXXX XXXX XXXX, XXXX obtain a judgment against me which results in my pay checks being garnished weekly. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


XXXX  Reports ( Capital One Bank ) Account Type- credit Card/ Revolving Terms Date open- XXXX Payment status- charge off Balance- {$1300.00} Past due- {$1300.00} Monthly payments- - Comments- account disputed by consumer under the FCRA XXXX Report ( Capital One Bank ) Account Type- Revolving/ option Date open- XXXX Payment status- Bad debt & placed for collection & skip Balance- {$1400.00} Past due- {$1400.00} Monthly payments- - Comments- charge off account XXXX   Report ( Capital One Bank ) Account Type- Revolving Account Date open- XXXX Payment status- charged off as bad debt Balance- {$1400.00} Past due- {$1400.00} Monthly payments- - Comments- account information disputed by consumer.

Company response to consumer: Closed with explanation