Consumer complaint received 2018-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
In XX/XX/XXXX I received new copies of my credit reports ( including but limited to XXXX, XXXX, and XXXX ). I noticed that I had a CAPITAL ONE account on my file that each credit bureau has under my social security number. This account is not mine so I sent in a dispute letter to the address CAPITAL ONE had on file, to challenge this account. 
I mailed the letter on XX/XX/XXXX disputing the claim, stating : " '' '' '' This letter is regarding account # XXXX, which you claim I owe {$210.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. '' '' '' '' ( THIS LETTER IS ENCLOSED ) I received a letter back on XX/XX/XXXX from CAPITAL ONE stating that they updated the account status and to wait 60 days for the credit bureaus to have it adjusted. 
Again I challenged the accuracy of this account because it is not mine and send in another letter on XX/XX/XXXX. ( THIS LETTER IS ENCLOSED ) On XX/XX/XXXX I received another letter back from CAPITAL ONE stating that the account balance was at {$210.00} and now at {$0.00}. 
This still has not addressed the fact that this is not my account, so on XX/XX/XXXX I sent a letter in to the credit bureaus challenging the reporting and compliance on an account with CAPITAL ONE BANK USA that is being reported on my credit report with incorrect/missing info. More specifically, I am referenced the fact that they are reporting an incorrect account number, and that their improper procedures are highly damaging to my credit score. And to please immediately delete this item. ( THIS LETTER IS ENCLOSED ) The account number on my credit report is X 'd out and there is no way for me to verify what is being sent to me from CAPITAL ONE in their letters, is the same number on my credit file.

Company response to consumer: Closed with explanation