Consumer complaint received 2019-11-18
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: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : I am seeking your assistance before taking legal action with XXXX  and Capital One. I am seeking a remedy to the damage inflicted on me due to XXXX and Capital One Auto Finances negligent actions. My credit and FICO score has been hindered 10 -20 points  due to a lack of action taken by both parties to not rectify the issue. 

1 ) I have sought to have my Capital One Auto Loan account taken out of negative status due to my Chapter XXXX reaffirmation agreement being legally rescinded on XX/XX/XXXX. Therefore, there is no more negative credit history for this account # for the XXXX XXXX XXXX XXXX XXXX for VIN # ______________________, I have a 60 day window in which if I legally rescind the agreement it's as if the time period never existed. I have filed more than 3 -6 disputes with XXXX. The Chapter XXXX filing of postal certified receipt, letter and email has also been given and used as a basis for determination by Judge XXXX to set an official decision against Capital One Auto Finance, since it was being challenged. 2 ) I assume Capital One Auto Finance has reported information to the contrary, despite me submitting all the legal paperwork as proof in my dispute to XXXX. My account is still reporting negatively, as a Charge-Off ( CO ) and No Payment ( NP ) 3 ) Additionally, I was recently contacted by Capital One Auto Finance representative around XX/XX/XXXX around XXXX. I was asked if I wanted to keep the car, with no mention of the issues and no payment due to rescinded reaffirmation auto agreement. When informing the Capital One Auto Finance representative of the prior legal proceedings and communication, I told him I only wanted to have the car picked up due to me rescinding a reaffirmation agreement. The representative advised me that they would provide me notice upon request within or at least 18 days of us speaking. 

The issue aforementioned is not exhaustive collectively or individually on each party, however I know these are violation of a ) US Bankruptcy law and b ) FCRA law partially or in whole. XXXX  : I am seeking a point scoring system or rubric guide on how XXXX  deals with credit reporting. I have seen adverse action taken ( drop in FICO   score ) on the Capital One Auto Finance account when allegedly the account was reported to be in bankruptcy, when it was already considered 90 days late and charged off. 

Additionally, XXXX  has allowed XXXX XXXX XXXX to add negative credit history to negatively affect my credit by retroactively reporting negative payment history on a lawsuit and default judgement in XXXX County, IL in XXXX for an auto loan. 

I would like the information for XXXX  and or XXXX XXXX XXXX and Capital One to post the correct information and delete the negative status information on my credit report that should be provided post Chapter XXXX discharge. 

I look forward to hearing from you. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief