Consumer complaint received 2021-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted the Credit Reporting Agency XXXX about an account with Capital One which I don't recognize and that was reporting on my credit report. The account numbers information was being reported with incomplete information and partial account numbers which are a violation of the Fair Credit Reporting act ( FCRA ). I contacted XXXX about this error on my credit report and sent a letter to them on XX/XX/XXXX explaining this to them and requesting that they delete this erroneous account. To my surprise, I received a response from Capital One where they claim they were able to verify and update the information with Capital One as accurate, however their reply credit report they sent had missing fields like date of last payment was missing which is a violation of Metro 2 Compliance and the FCRA and inaccurate, unverifiable, missing, and unfair information such as a partial account number with asterisks instead of the full account number. I then sent a letter on XX/XX/XXXX asking XXXX for their method of verification for this account and the errors which was a violation of the law and for them to delete this account. I then received a response after sending a previous letter to them claiming they could not find my information and requesting documentation to verify my identity after they found it previously with my previous letter. On XX/XX/XXXX I sent them the required documents requested to verify my identity with the letters sent previously and did not receive a response, so I sent another letter on XX/XX/XXXX that they were in violation of Federal and State Consumer Laws for not responding within 30 days. Finally, On XX/XX/XXXX they responded again claiming they could not find my file and wanted me to send documents again to verify my identity. On XX/XX/XXXX I sent them the documents requested again and the original letters sent prior and they replied back on with a copy of a credit report with missing, incomplete and unverifiable account number for the Capital One account and other accounts as well as missing fields again but did not address my complaint about the erroneous account. Finally on XX/XX/XXXX I received a letter from XXXX  asking me to contact the original creditor if I had an issue with the account. In addition, I also contacted Capital One by letter telling them about their incomplete inaccurate and unfair reporting of this account and that I did not recognize this account on XX/XX/XXXX with no response. On XX/XX/XXXX I wrote them letters for not responding and violating the FCRA and not reporting to the XXXX  that I disputed this account with no response each time from Capital One regarding this account. Neither XXXX or Capital One did not do their investigation in this matter and replied more than 30 days late or not at all and are reporting the information inaccurately about this Capital One account which is severely affecting my creditworthiness and ability to obtain a car and other credit opportunities which would afford me to live a better quality life. I also noticed they have over 100,000 complaints in the last 3 months with other people complaining of similar terrible treatment and inaccurate reporting and them breaking the consumer federal and state law of not responding in 30 days and not reporting complete account number or doing their investigation as required by law.

Company response to consumer: Closed with explanation