Consumer complaint received 2018-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Hello Consumer Financial Protection Bureau, I am contacting you for help with some creditors/banks on my personal credit report. I have already tried and disputed these unauthorized accounts on my credit report via the online portal through XXXX XXXX with all 3 credit bureaus, XXXX, XXXX and XXXX.

In addition, I have since tried contacting them all several times by telephone, email and finally written letters signed, notarized by my personal credit union and all sent USPS Certified Mail with Return Receipt to all the creditors and banks with no response or help whatsoever. So, I found the CFPB through research and am hoping your agency may assist me since they refuse to do so.

I was a legitimate victim of fraud between the periods of XX/XX/XXXXthrough XX/XX/XXXX and only just realized 2 months ago when I decided to check my credit report. Several of the legit creditors and collection agency 's that did have deragotory marks on my credit report did immediately remove them and had sent me verified proof of such. The remaining creditors and collection agency 's I have listed below are the company 's who are refusing to offer any help.

With the assistance and guidance from my Attorney, he suggested that I send them all a written and notarized FCRA Section # 609 Debt Validation Letter for legit proof that the debt was legally my own. By federal law, as they are more than aware of as creditors and debt collectors, have 30 days from the postmarked date that they received the written notice to provide written, visual and/or audio proof that I was the legal and responsible owner of such debt. Again, all of them with no response, help or guidance.

So, at this point, the only recourse I have is with the FCPB. I will list all of the information I have available with each creditor, collection agency and/or banks.

*XXXX XXXX XXXX XXXX XXXX.

Debt Purchased from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX *This collection agency has been of no help and refuses to offer any proof or explanation of the debt they are accusing me of. What makes things worse is the fact they have removed the deragotory marks off of only 1 of the credit bureaus, XXXX.

But, they will not remove the deragotory marks off of XXXX or XXXX. By law, they are supposed to make the necessary corrections with all 3 credit bureaus, not just their choosing. I am again requesting this company to finish the deletion process completely from the other 2 credit bureaus.

*XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX , SD XXXX This bank/credit card company lists a debt in my name as a " Charge Off '' on all 3 credit bureaus, but can not provide any proof that it belongs to me. I have never even heard or this company/bank until just recently. Again, no help or response after emails, letters, disputes and numerous telephone calls. They stated to the credit bureaus that it was " Certified and belongs to me. '' By federal law, FCRA Section # 609 they must provide proof of such within the 30 day time period or it must be removed immediately off of all my credit reports. Just saying they " Certify The Debt '' with no tangible proof or evidence is against the law and violates my rights. I know they have no such proof of my name and/or signature that this company can provide. I am requesting this creditor/bank immediately remove this account from all 3 credit bureaus.

*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX This bank/credit card/online store catalog company lists a debt in my name as a " Bad Debt '' on all 3 credit bureaus, but can not provide any proof that it belongs to me. To make things worse, this is the 2nd deragotory account from XXXX   along with the Collection Agency above that is stating I have yet another account with them. I have tried, over and over for any help or response after emails, letters, disputes and numerous telephone calls.

They stated to the credit bureaus that it was " Certified and belongs to me. '' By federal law, FCRA Section # 609 they must provide proof of such within the 30 day time period or it must be removed immediately off of all my credit reports. Just saying they " Certify The Debt '' with no tangible proof or evidence is against the law and violates my rights. I know they have no such proof of my name and/or signature that this company can provide. I am requesting this creditor/bank immediately remove this account from all 3 credit bureaus.

*Capital One Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX According to my recent dispute withThis creditor/bank, it has modified or " Updated Their System '' stating that they " Certify The debt belongs to me '' but changed remarks on my credit report from " deragatory '' to " Closed '' with no payment information whatsoever. I have never even opened an account with this creditor and yet they continue to post on my credit report as if I did, but yet they can not provide any account information except the partial # 's provided.

Just changing an account status from " Deragotory '' to " Closed '' and still report 3 late payments on this account is not acceptable. In addition, this company has pulled 7 " Hard Inquiries '' on my credit report over the course of 5 years. As I stated above already with the other creditors listed above, by federal law, FCRA Section # 609 they must provide proof of such within the 30 day time period or it must be removed immediately off of all my credit reports. Just saying they " Certify The Debt '' with no tangible proof or evidence is against the law and violates my rights. I know they have no such proof of my name and/or signature that this company can provide. I am requesting, again, that this account is removed from all my credit reports along with all the Hard Inquiries they have pulled.

I apologize for such a lengthy letter, but as you already are aware of, these negative and deragotory accounts listed on my credit report are seriously impairing my ability to obtain any credit and is causing a huge problem within my family. Being a victim of Identity Theft from several years ago has been an awful amount of time and work just to clear my name of these wrongdoings. It should not be as difficult as it has been to make things right. If you have any questions, please feel free to contact me anytime, I have listed all of my personal and contact information above.

Lastly, I just want to sincerely thank you for all of your time, help and patience with this matter, both myself and my family very much appreciate it. I hope you have a blessed and wonderful day.

Company response to consumer: Closed with explanation