Consumer complaint received 2019-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Capital One is clearly trying to dismiss a serious, and valid, complaint issues against them. They continue to furnish derogatory data on my credit file ( as recent as XXXX XXXX of this year ) yet admit in their last response that they cant or wont provide validation and certainly not verification. 
Capital Ones employee, XXXX, either was going on break or home for the day and wanted to dispose of this case regarding my complaint or couldnt answer it. In any case Capital One is dismissive of some strong and valid points that I have made. 
I have passed my complaint on to other entities and expect Capital One to either verify their documentation as the term means in XXXX XXXX XXXX, Meaning to confirm by oath or affirmation, or cease furnishing this data. 
I expect them as well to explain how they were able to obtain a judgment while by their own admission not needing affidavits or certifying documents, which as per NY civil procedure indicates they committed fraud on the court in order to obtain their alleged judgment. Their willingness or inability to defend that point magnifies their transgressions. 
To the saying that their last response fulfilled my concerns, clearly it didnt. It didnt come even close to doing so. Capital One has shown a complete inability to show the verification involved in establishing their validity in furnishing the derogatory data. They have failed to show how their data is anything other than hearsay. They have failed to explain how they pushed through an Affidavit of Service regarding me based on verification by a Mr. XXXX, who I do not know and has no basis of knowing any information about me, particularly regarding any military service I may or may not have engaged in. They clearly pushed this documentation through in order to obtain a default judgment and now, by their own admission are unable to provide further information, violating my rights to due process asunder the US Constitution. Capital One claimed in one of their responses they gave to me that they follow all laws and regulations. They have no respect for the UDAAP, as in 12 USC 5531. Their practices in my case are unfair, deceptive and abusive and they are attempting to sweep their unconscionable acts under the rug. Capital One must be held to account and either prove their assertions or cease furnishing derogatory data on my files since they havent proven, as per the FCRA, that this information is truly verifiably accurate. They have failed to establish that they were notifying me that they were furnishing said data in the first place, again as per FCRA laws, which they have failed to address in their prior responses to me. 
And furthermore, as a result of my lack of interest in doing business with a company that engages in such unconscionable acts as this company engages in, as Ive shown over the course of my disputes, I fail to see why they should even have access or possession of my personal identifying information. I have a legitimate basis in demanding they delete my information since they cant even safeguard their customers security as demonstrated over the summer, a point XXXX seemed unwilling to comment on in my last dispute but is a valid point. If the laws are to have any meaning and consumers to have any value to the CFPB, Capital One must be held to account for their transgressions.

Company response to consumer: Closed with explanation