Consumer complaint received 2020-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, CA XXXX DOB : XX/XX/XXXX SS # : XXXX Capital One Bank USA XXXX XXXX  XXXX XXXX XXXX, VA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
This account was deleted from my XXXX  credit report and must be deleted from my XXXX   and XXXX  Credit Reports immediately. I have attached my XXXX  credit report proving the deletion. 
My name is XXXX XXXX XXXX and I currently live at XXXX XXXX  XXXX XXXX XXXX, CA XXXX. There should be no Capital One Account attributed to my name and address. I have attached my Drivers License as proof of address. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : Account Name CAPITAL ONE BANK USA N Account # XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 
Thanks for your help in this matter, XXXXXXXX XXXX XXXXXXXX Attached : XXXX  Credit Report 3 Pages Former Letter Dated XX/XX/XXXX with Certified Mail receipt Dated XX/XX/XXXX Drivers License Copy

Company response to consumer: Closed with explanation