Consumer complaint received 2022-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over $ 600.The IRS treats the forgiven debt as income I was told that the debt was paid in full but yet your company mark it as a CHARGE-OFF The term charge-off ( Eliminate or write off ) The term charge-off is used to describe the process of removing from the records of a company something that was once regarded as an asset but has subsequently become worthless. 
A classic case is the bad debt, which is an uncollectible debt. A bad debt is a permissible business tax deduction, so if your company write of the Wholly worthless debt and collected the full amount of the debit from the allege consumer thats considered TAX FRAUD because you collected full payment and still wrote it off and reported it to the IRS as lost income to reduce tax burden. 
This account is mark as CHARGE OFF the consumer no longer have to pay the full amount of the debt, the IRS treats the forgiven amount as gained income, for which the consumer should pay income taxes.

your company is reporting INACCURATE Information on my consumer report charge off debt/ account is considered as FORGIVEN debt or becomes INCOME and the consumer report does not include INCOME OR FORGIVEN DEBT not to include your company got paid in full by the consumer and you also write it off which is TAX FRAUD if your company dont remove this fraudulent account from my Consumer report i will contact the ( IRS ) Internal Revenue Service and requesting a TRANSCRIPT ill include this TAX FRAUD that i discovered ill also CC the XXXX  FTC AND CFPB. 

18 U.S. Code 1341 Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish I DEMAND DELETION OF THIS ACCOUNT FROM ALL CONSUMER REPORTING AGENCIES NO LATER THEN 5 BUSINESS DAYS AND A WRITTEN CONFIRMATION TO ME IMMEDIATELY NOT TO MENTION 15 U.S. Code 6803 ( a ) Disclosure requiredAt the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers. 

Please also enclose a printed copy of mypayment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above.

Company response to consumer: Closed with explanation