Consumer complaint received 2019-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am disputing the third party services of XXXX  XXXX and XXXX  XXXX and the scores on my XXXX  and XXXX accounts. Since the fall of XXXX, I had three deragatory remarks removed from my credit reports with XXXX. I submitted the disputed through XXXX  XXXX which advertises that this can be done through their website. I also had one account removed after calling the creditor regarding a medical bill that I had paid at the office where I received treatment and one collection removed the previous year regarding a XXXX collection for XXXX on an account I had long ago closed and had ebilling for and copies of the receipts showing the account as paid in full at the time or shortly after it was closed. The XXXX dispute went to almost to arbitration before someone after XXXX negotiated a settlement. I had previously disputed that through XXXX   XXXX and it was verified as accurate. After arbitration it disappeared from my credit report and no change was made to my score at all. No remarks were made about it being removed by any of the third party websites XXXX XXXX or XXXX   XXXX. The same is true of the most recent removal of the doctor bill after i called the creditor and the Medical office admitted they had made a mistake. It was removed from my report with no notification, no change in score. The other accounts were removed and my score did change. It dropped 150 points. Ive lost sleep, Ive hired XXXX XXXX, Ive spoken with an attorneys Im sick of having false collections put on m account. And I cant believe that my score would drop because of it. I have monitored my score and my report closely and the only change other than a slight increase in a credit car balance of like 100 and a slight increase in available credit are the only changes both that I can find and that are listed by the credit monitioring services. I have read extensive articles published by other consumers describing the exact same negative times removed being the only change drop in score. I have contacted XXXX XXXX, XXXX XXXX  and XXXX   only to be told nothing of consequence. XXXX told me to pay my bills on time and my score would go up when o have 98 percent payment history. They wouldnt speak to the calculation of the score or why Id received no confirmation in writing of the changes or why the removal of negative items had no positive affect on my score. In fact XXXX official website shows that my score was the same over six months which it absolutely was not and was reported on XXXX XXXX which is powered by XXXX only one week ago at 150 points higher : I have also seen the changes to my report on their official website which I had to pay XXXX to access. Im getting raked over the coals. Im a single mom of XXXX who needs to relocate for a job in two months time and these agencies are going to cost me that opportunity with their convulded scoring and refusal to even speak to what they are doing. There is no transparency. My score is below 500 with on time payments at 98 percent only one remaining collection for XXXX which Im working to resolve, three negative items removed. Low debt usage and no public records judgements or bankruptcies. Also my credit age is reported in two different ways by XXXX. One on its website as 2 years the other on XXXX XXXX as 11. And there is a card reporting for 11 years. I feel like Im being targeted. I went through a rough time in XXXX when I divorced and I have stopped being harassed since then despite paying my debts and trying to start anew I have screen shots of all of this but last time when I tried adding them it would not let me submit my case online. Im happy to provide by mail if necessary

Company response to consumer: Closed with explanation