Consumer complaint received 2018-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX This letter is being sent to the consumer financial protection Bureau as a form of notification that I have attempted to contact the credit bureaus and creditors reporting inaccurate information against me.. 

Capital one bank XXXX old debt 3 years old, no contract ( XXXX ) XXXX old debt paid ( XXXX ) XXXX XXXX- not mines, no contract, never validated, ( XXXX ) I recently pulled a copy f my credit report and to my surprise I noticed that you are reporting inaccurate data- such as REPORTING AN ACCOUNT AS COLLECTION MULTIPLE MONTHONS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLLECTIONS ONE TIME. OT 4TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS BRAND NEW COLLECTIONS EACH MONTH YOU HAVE REPRTED THIS ACCOUNT INACCURATLEY LONG WNOUGH RE AGING AN ACCOUNT IS A MISRESPRESANTAION OF MY CREDIT HISTORY. SO DELETE THSES ACCOUNTS NOW!!!! PLEASE!!!! 
I fully researched my rights and found that the fair credit reporting act does not allow you to victimize innocent credit worthy people by reporting erroneous false information, under the FCRA, the following applies to me : FCRA 623 ( a ) ( 7 ) negative information ( A ) Notice to consumer Required ( I ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency reporting credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
( II ) Notice effective for subsequent submissions. After proving such notice, the Financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. 

( B ) Time of notice ( I ) In general, the notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

( II ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the truth in lending act. 

As I stated before, this is my final Request for you to do as you are governed by FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 

I demand that you correct my account to show to paid as agreed-never late and remove the inaccurate data, or I will seek legal action and remedy, as I found out my right if you are victimize me by reporting false information about me to/on the credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, la XXXX CC : Consumer Financial protection Bureau

Company response to consumer: Closed with explanation