Consumer complaint received 2023-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 usc 1681 section 604a section : Consumer reporting agency can not furnish an account without my written instructions 15 usc 1666 ( b ) : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I am writing to inform you about these late payment entry on my credit report, as reported by XXXX. This late payment entry is inaccurately affecting my credit history and has a negative impact on my creditworthiness. 

remove transaction : XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 ( 1 ) IN GENERAL financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am herby requesting all above disclosures required by Federal. 
Yours Truly XXXX XXXX, ( All Rights Reserved ) In accordance in the fair credit reporting act this creditor has violated my rights. 

15 usc 1681 section 602 : I have the right to privacy 15 usc 1681 section 604a section : Consumer reporting agency can not furnish an account without my written instructions 15 usc 1666 ( b ) : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I am writing to inform you about these late payment entry on my credit report, as reported by XXXX, XXXX XXXX, XXXX. This late payment entry is inaccurately affecting my credit history and has a negative impact on my creditworthiness. 



Creditor Name : Capital One Account Number : XXXX Date of Late Payment : XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 I believe that this late payment entry is incorrect for the following reasons : Provide a brief explanation of the circumstances that led to the late payment. Include any relevant information, such as payment made on time, communication with the creditor, etc. 

If applicable, include any documentation that supports your claim, such as payment receipts, confirmation emails, or correspondence with the creditor. 

I am requesting a thorough investigation of this matter in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that it is the responsibility of XXXX to ensure the accuracy of the information on my credit report. As such, I kindly request that you : Conduct a comprehensive review of the late payment entry and verify its accuracy with the reporting creditor. 

Provide me with written updates regarding the status of the investigation within the timeframe required by law. 

Remove the inaccurate late payment entry from my credit report if it is found to be erroneous. 

I am fully aware of my rights under the FCRA, and I am committed to ensuring the accuracy of the information on my credit report. I request that you provide me with a free copy of my updated credit report once the investigation is complete, reflecting any changes made as a result of this dispute. 

Please consider this letter as a formal notice of dispute as required by the FCRA. I expect that you will handle this matter promptly and efficiently, in accordance with the law.

Company response to consumer: Closed with explanation