Consumer complaint received 2023-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
These Companies are violating my rights according to the Fair Credit Reporting Act and violating the laws that are in place pertaining to reporting accuracy on ones report. I have disputed these accounts numerous times with no results. I WANT THEM DELETED - INACCURACY OF ACCOUNTS NEEDS - ATTENTION IMMEDIATELY. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX XXXX To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are Listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verity the accuracy of the accounts listed below. 

XXXX In previous disputes you claimed that this account was verified and is following The Fair Credit Reporting Act. How can this account been verified? You XXXX has completely different monthly payments ( {$100.00} ), Date Opened ( XXXX ), Balance ( {$130.00} ), More Serious Reporting errors you have a Past Due amount of {$100.00} along with numerous late payments attached to a account that XXXX has reported as a Charge Off while you still have the account as 120 months late. None of the last reported or last payment match XXXX or XXXX. I question if this is even the same account because again the account number you report does not match XXXX or XXXX. 
A Charge Off account should never have Late payments due to it being late by default. 
Please send me copies of the documents that you have in your files as of this date that you used to verity the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX I disputed this several times to inform you this isn't my account and I was a victim of identity fraud and yet the account still remains. I have a report from Identity Theft. Gov listing this account. But even then This account as well has late payments attached to an already defaulted Charged Off Account if I was the owner. Along with that the date open, date last active and last reported do not match XXXX. This is a direct violations of my rights. 

CAPITAL ONE XXXX This account also has a Past Due Amount that is against the law to report on a Charged Off Account. The open date does not match XXXX, nor does the Last Active Date. This is unacceptable. I feel like this was a mistake that was made to purposely affect my credit reports even harder. You have violated about every one of my rights and the laws that govern me. 

XXXX YOU ONCE AGAIN HAVE BEEN REPORTING A PAST DUE BALANCE AND EACH MONTH IT SHOWS I MISSED ANOTHER PAYMENT ON A CHARGED OFF ACCOUNT. Not only that though it has a balance of {$20000.00} which is no where close to the past due amount that XXXX and XXXX have. Not one thing is accurate on this account compared the others. These furnish the same account numbers but none of the reporting information is accurate. 

XXXX This account has the payment status as late 90 days but in the two year history it does not show one late payment. How is that possible. The date opened, date last reported, date last active along with the last payment are not even close to being accurate. 

I WANT THIS ACCOUNTS DELETED OFF MY CREDIT PROFILE. THEY HAVE CAUSED A FINANCIAL STRAIN SOME FOR MANY YEARS. YOU CONTINUE TO VIOLATE MY RIGHTS AND BREAK THE LAWS EACH DAY THESE ARE ON MY REPORT. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g | have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your fies that were used to verity them. If you do not have any documentation in your files to verify the accuracy ( the wrong dates and amounts ) of these disputed accounts then please delete them immediately as required unde Section 611 ( a ) 5 ) ( A ) i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be prompty deleted. Therefore. if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above with receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX  XXXX COMPLIANCE. 

Please provide me with a copy of an updated and corrected credit report showing these items REMOVED, I demand the following accounts be property verified or removed immediately. 

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX ASSISTANT DIRECTOR OF ENFORCEMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSIT INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY Thank, you for your help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX XXXX

Company response to consumer: Closed with explanation