Consumer complaint received 2020-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have called the companies and they refused to accept the documents because I have identity thief and fraud on my accounts and I sent them copies of the reports XXXX XXXX has received there I sent paperwork but nothing has happened when everything happened to my credit I contacted the bureaus immediately and had it put a free ze on each of them and the companies would accept the reports. 



XXXX  Complaint Department : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XX/XX/XXXX DOB XXXX SS Dear To Whom It May Concern ; I'm writing to dispute the following information on my file. I have circled them items I disputed on the attached copy of the report I received. 

These items : Disputed by name of source, such as creditors or tax court, identify of item, such as credit account, judgement, collections, etc. Is inaccurate or incomplete because : The section : ( 609 ) states remove all negative accounts in 30 days : Sec ( 809 ) reasoning and recording incorrect balances and debts that are incorrect was fraud activity and identity thief that has been entered on the reports. There is a police report enclosed and there has been police reports sent to each creditors and requested proof for the information is incorrect. It must be illiminated off the account immediate. There has been communication with creditors Statues ( 605 ) with debt collector and validations of these debts has been closed and late must be removed off the collection accounts it also shows past due amounts that are not correct and the creditors that was entered was not correctly. 
The Federal and statue laws : Debt Collectors and Federal Trade Commission Consumer laws where it states that debt collectors, prohibited, harassement, abusive, deceptive practices, all these have happened to the consumer when there fraud alert, and identity thief. Statue of limitations states that it has to be removed off the report when inaccurate report and misinformation of creditors input and collection must be removed off and charge off and late dates everyone of the negatives has to be removed immediately. With each of these creditors that are incorrect and improper documentation must be removed immediately the creditor was not the original entered and inaccurate information is fraud verification on the report of the consumer. With FDCPA also has everything as stated must be removed. 
They will also have the same letter as I'm sending to the affilations. 


Dear XXXX, Statement of Dispute : I am writing this letter to your agency as a result of deceptive evidence of my credit activity presented in my report. Your agency is supposed to verify all the data reported in order to assure the highest level of accuracy. I, therefore, ask you to verify and correct the following information I have noticed derogatory information on the XXXX, XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$130.00} ) account. I only have a contract with the original creditor XXXX XXXX ; which is a different company. I disagree with the Balance of {$130.00}, as I remember the amount to be lower. Because of these errors in reporting, I dispute the whole account and I insist that you verify the following dates : the Date Opened and the Date of First Delinquency. 
The false information presented on the account The XXXX XXXX XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$270.00} ) must be fixed. I am only aware of the original creditor XXXX XXXX ; I have no idea who the collection agency that you report on this account is. I do not agree with the Balance of {$270.00}, because I remember the actual amount to be lower. In light of these errors, I am disputing this entire account and I ask for a verification of the Date Opened and the Date of First Delinquency.There is certain information on the account XXXX XXXX XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$190.00} ) which I do not agree with. The Balance amount of {$190.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. Please have your agency add a dispute remark to this account while I investigate the erroneous information with the creditor. 
I am unsure about the information reported on the XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX : XXXX, XXXX : {$1000.00} XXXX account. I only recognize the original creditor Capital One Bank Usa N A ; which is a different company than the one you have reported. The Balance amount of {$1000.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. The Past Due amount that is reported by your agency for this account shouldn't be reported, because this account was closed. Due to these oversights in reporting, I dispute this account and I request a verification of the Date Opened and Date of First Delinquency for this account. 
The company reported on the XXXX XXXX XXXX XXXX. ( # XXXX, Date Opened : XXXX, Balance : {$550.00} XXXX account is unknown to me. I have only got a contract with the original creditor XXXX XXXX. I disagree with the Balance of {$550.00}, as I remember the amount to be lower. Moreover, the Past Due amount that you provided is not supposed to be presented for this account, as the account is closed. For these reasons, I dispute this account and I request that your agency verify the following dates : Date Opened and Date of First Delinquency. 
I am unsure about the information reported on the XXXX XXXX XXXX ( # XXXX, Date Opened : XXXX, Balance : {$100.00} XXXX account. I only recognize the original creditor The XXXX XXXX ; which is a different company than the one you have reported. I do not agree with the Balance of {$100.00}, because I remember the actual amount to be lower. Also, I observed an error in regards to the Past Due amount. Due to the fact that this account is closed, the Past Due amount shouldnt be stated. Because of this inaccurate information, I dispute this account and I ask for a verification of Date Opened and Date of First Delinquency. 
The account XXXX XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$3100.00} ) must be reviewed. I do not agree with the Balance of {$3100.00}, because I remember the actual amount to be lower. Also, how is it that you report a Balance that is higher than the High Balance? Moreover, I would like to bring to your attention the reported Past Due amount, which shouldn't be provided for this closed and charged-off account. Since the incorrect representation of my credit activity might cause my report to present a lower credit score, I ask you to place a dispute remark on this account. 
The account XXXX XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$2200.00} ) is being reported incorrectly. The Balance amount of {$2200.00} provided by your agency is incorrect in comparison to the amount I think I owe. Moreover, the Past Due amount that you provided is not supposed to be presented for this account that is closed and charged-off. In order to repair my credit score, I am going to try resolve the invalid reporting on this account directly with the creditor. Please mark this account as disputed. 
I found inaccurate information in my credit report for the account identified as XXXX  ( # XXXX, Date Opened : XXXX, Balance : {$180.00} XXXX. The Balance amount of {$180.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. Also, I observed an error in regards to the Past Due amount reported. Due to the fact that this account is closed and is reported as charged-off, the Past Due amount shouldnt be stated. I will be trying to contact the creditor directly regarding the erroneously reported data. In the meantime, I ask your agency to apply a dispute remark on this account. 

I would like to mention that the furnishers do not provide accurate information ; as a result, they are not a trustworthy source to rely on. I ask that you to verify and adjust all the disputed inaccurate information on my file. I sent this letter via certified mail to ensure this matter is resolved within the required 30-day window. I request for the data to be corrected to avoid any negative impact on my credit history. 
I have attached all necessary documentation to confirm my identity and current address. 





To : XXXX  XXXX. XXXX  XXXX, XXXX, TX XXXX Statement of Dispute Dear XXXX, I am writing this letter to your agency as a result of deceptive evidence of my credit activity presented in my report. Your agency is supposed to verify all the data reported in order to assure the highest level of accuracy. I, therefore, ask you to verify and correct the following information : I have noticed derogatory information on the XXXX, XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$130.00} ) account. I only have a contract with the original creditor XXXX XXXX ; which is a different company. I disagree with the Balance of {$130.00}, as I remember the amount to be lower. Because of these errors I dispute the whole account and I insist that you verify the following dates : Date Opened, Date of First Delinquency, Date of Status and First Reported. 
I am unsure about the information reported on the XXXX XXXX XXXX ( # XXXX, Date Opened : XXXX, XXXX : {$1000.00} XXXX account. I only recognize the original creditor Capital One Bank Usa N A ; which is a different company than the one you have reported. The Balance amount of {$1000.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. In light of these errors, I am disputing this entire account and I ask for a verification of the Date Opened, Date of First Delinquency, Date of Status and First Reported information on this account. 
The false information presented on the account The XXXX XXXX XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$270.00} ) must be fixed. I am only aware of the original creditor XXXX XXXX ; I have no idea who the collection agency that you report on this account is. I do not agree with the Balance of {$270.00}, because I remember the actual amount to be lower. Based on these mistakes, I dispute this account and I require that you verify the Date Opened, Date of First Delinquency, Date of Status and First Reported date. 
The account XXXX XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$3100.00} ) must be reviewed. I do not agree with the Balance of {$3100.00}, because I remember the actual amount to be lower. Also, how is it that you report a Balance that is higher than the High Balance? Moreover, I would like to bring to your attention the reported Past Due amount, which shouldn't be provided for this closed and charged-off account. Please have your agency add a dispute remark to this account while I investigate the erroneous information with the creditor. I also request that you verify the Date Opened, Date of Status and First Reported information on this account. 
The company reported on the XXXX XXXX XXXX XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$550.00} ) account is unknown to me. I have only got a contract with the original creditor XXXX XXXX. I disagree with the Balance of {$550.00}, as I remember the amount to be lower. Moreover, the Past Due amount that you provided is not supposed to be presented for this account, as the account is closed. In light of these reporting mistakes, I dispute this account and I require a verification of the Date Opened, Date of First Delinquency, Date of Status and First Reported information as reported. 
I am unsure about the information reported on the XXXX XXXX XXXX ( # XXXX, Date Opened : XXXX, Balance : {$100.00} XXXX account. I only recognize the original creditor The XXXX XXXX ; which is a different company than the one you have reported. I do not agree with the Balance of {$100.00}, because I remember the actual amount to be lower. Also, I observed an error in regards to the Past Due amount. Due to the fact that this account is closed, the Past Due amount shouldnt be stated. Due to this inaccurate information, I dispute the entire account and I would like to have the following dates verified : Date Opened, Date of First Delinquency, Date of Status and First Reported. 

I would like to mention that the furnishers do not provide accurate information ; as a result, they are not a trustworthy source to rely on. I ask that you to verify and adjust all the disputed inaccurate information on my file. I sent this letter via certified mail to ensure this matter is resolved within the required 30-day window. I request for the data to be corrected to avoid any negative impact on my credit history. 
I have attached all necessary documentation to confirm my identity and current address. 


To : XXXX XXXX. XXXX   XXXX, XXXX, PA XXXX Statement of Dispute Dear XXXX, I am writing this letter to your agency as a result of deceptive evidence of my credit activity presented in my report. Your agency is supposed to verify all the data reported in order to assure the highest level of accuracy. I, therefore, ask you to verify and correct the following information : I have noticed derogatory information on the XXXX, XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$130.00} ) account. I only have a contract with the original creditor XXXX XXXX ; which is a different company. I disagree with the Balance of {$130.00}, as I remember the amount to be lower. Because of these errors in reporting, I dispute the whole account and I insist that you verify the following dates : the Date Opened and the Date of First Delinquency. Sec. ( XXXX ) St I am unsure about the information reported on the XXXX XXXX XXXX ( # XXXX, Date Opened : XXXX, Balance : {$100.00} ) account. I only recognize the original creditor The XXXX XXXX ; which is a different company than the one you have reported. I do not agree with the Balance of {$100.00}, because I remember the actual amount to be lower. Also, I observed an error in regards to the Past Due amount. Due to the fact that this account is closed, the Past Due amount shouldnt be stated. Because of this inaccurate information, I dispute this account and I ask for a verification of Date Opened and Date of First Delinquency. 
I am unsure about the information reported on the XXXX XXXX XXXXs ( # XXXX, Date Opened : XXXX, Balance : {$1000.00} ) account. I only recognize the original creditor Capital One Bank USA N A ; which is a different company than the one you have reported. The Balance amount of {$1000.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. The Past Due amount that is reported by your agency for this account shouldn't be reported, because this account was closed. Due to these oversights in reporting, I dispute this account and I request a verification of the Date Opened and Date of First Delinquency for this account. 
The company reported on the XXXX XXXX XXXX XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$550.00} ) account is unknown to me. I have only got a contract with the original creditor XXXX XXXX. I disagree with the Balance of {$550.00}, as I remember the amount to be lower. Moreover, the Past Due amount that you provided is not supposed to be presented for this account, as the account is closed. For these reasons, I dispute this account and I request that your agency verify the following dates : Date Opened and Date of First Delinquency. 
The false information presented on the account The XXXX XXXX XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$270.00} ) must be fixed. I am only aware of the original creditor XXXX XXXX ; I have no idea who the collection agency that you report on this account is. I do not agree with the Balance of {$270.00}, because I remember the actual amount to be lower. In light of these errors, I am disputing this entire account and I ask for a verification of the Date Opened and the Date of First Delinquency. 
The account XXXX XXXX XXXX # XXXX*, Date Opened : XXXX, Balance : {$3100.00} XXXX must be reviewed. I do not agree with the Balance of {$3100.00}, because I remember the actual amount to be lower. Also, how is it that you report a Balance that is higher than the High Balance? Moreover, I would like to bring to your attention the reported Past Due amount, which shouldn't be provided for this closed and charged-off account. Since the incorrect representation of my credit activity might cause my report to present a lower credit score, I ask you to place a dispute remark on this account. 
The account XXXX XXXX XXXX # XXXX*, Date Opened : XXXX, Balance : {$2200.00} ) is being reported incorrectly. The Balance amount of {$2200.00} provided by your agency is incorrect in comparison to the amount I think I owe. On top of that, how come the reported Balance is higher than the High Balance? Moreover, the Past Due amount that you provided is not supposed to be presented for this account that is closed and charged-off. In order to repair my credit score, I am going to try resolve the invalid reporting on this account directly with the creditor. Please mark this account as disputed. 
Given the incorrect information that you have been reporting on the XXXX XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$740.00} ) account, I request a verification of such information. I do not agree with the Balance of {$740.00}, because I remember the actual amount to be lower. Moreover, how can you have reported that the Balance for this account is higher than the High Balance? Furthermore, according to your report, this account is closed and charged-off. Sec ( 623 ) If so, it is incorrect to report a Past Due amount for this account. This account has likely caused my credit score to drop. Given this, I need to reach an agreement with my creditor in regard to the incorrect data. I ask your agency to mark this account as disputed because I do not want my credit score to get even lower.

I would like to mention that the furnishers do not provide accurate information ; as a result, they are not a trustworthy source to rely on. I ask that you to verify and adjust all the disputed inaccurate information on my file. I sent this letter via certified mail to ensure this matter is resolved within the required 30-day window. I request for the data to be corrected to avoid any negative impact on my credit history. 
I have attached all necessary documentation to confirm my identity and current address.

Company response to consumer: Closed with explanation