Consumer complaint received 2023-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I am sending this complain on something on my credit report that is in accurate and that I did not authorize. 

in accordance with the fear credit report acts this creditor have violated my rights, under 15 usc-1681 section 602 I have the right to privacy. 

15 usc 1681 section 6042 section 2, it also states that the consumer reports agency can not furniture account without my written instructions. 

Under 15 USC 1666b a creditor, may not treat a payment on a credit accounts, under and open end a consumer credit plan as late for any purpose. 


Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT : XXXX TOTAL : XXXX ========================================= XXXX ========================================= XXXX XXXX XXXX **PLEASE RETURN SIGNED** BY RETURNING THIS RECIEPT SIGNED YOU AGREE TO PAY THE ABOVE TOTAL AMOUNT ACCORDING TO THE CARD ISSUER AGREEMENT. 

Please sign the above receipt and send back a scanned/photocopy of the signed receipt to this email ( you may snap a photo with your camera phone if you do not have scanning capabilities ). If you are not able to print and sign, you can also visit XXXX XXXX XXXX for free ESigning services. 
If you have any questions about this transaction, please call ( XXXX ) XXXX or email us at XXXX and reference your ID Number above. This communication is from a debt collector attempting to collect a debt and any. 
information obtained will be used for that purpose. 
Confidentiality Note : This email and any attached files are intended only for the use of the individual or entity named above and may contain information that is. 
confidential and privileged. If you are not the intended recipient, you are. 
hereby notified that any dissemination, distribution or copying of this e-mail is strictly prohibited. If you have received this e-mail in error, please notify us immediately by return email and delete the material from any computer. 

Account name CAPITAL ONE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX  Balance {$2300.00} Balance updated XX/XX/XXXXXXXX  Recent payment - Monthly payment - Credit limit {$1300.00} Highest balance {$2300.00} Terms - Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Collection account. {$1.00}, 467 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX  Balance {$1400.00} Balance updated XX/XX/XXXXXXXX  Recent payment - Monthly payment - Original balance {$1400.00} Highest balance - Terms 1 Months Account info Account name XXXX XXXX  Account number XXXX Account type Rental Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Account charged off. {$680.00} written off. {$680.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX  Balance {$680.00} Balance updated XX/XX/XXXXXXXX  Recent payment {$32.00} as of XX/XX/XXXXXXXX  Monthly payment - Original balance {$850.00} Highest balance - Terms 26 Months Account info Account name XXXX XXXX XXXXXXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Closed. {$440.00} written off. 
Status updated XX/XX/XXXXXXXX  Balance {$0.00} Balance updated XX/XX/XXXXXXXX  Recent payment - Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$440.00} Terms -

Company response to consumer: Closed with explanation