Consumer complaint received 2023-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I have filed multiple disputes about my credit report with XXXX over the last 120 days, however they have yet to remove any of the inaccurate & erroneous information from my report. Furthermore, I believe they did not conduct a proper investigation under the US Code definition. They have violated and continue to violate several consumer protection & privacy laws governed by the FCRA, FDCPA, & and Truth in Lending Act. The accounts listed below have several inaccuracies and have been improperly and fraudulently investigated by the XXXX. XXXX has removed the below accounts however XXXX refuses to do so which directly violates my right to have all 3 credit reports contain the same information across the board.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 623 - 15 U.S.C. 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

CAPITAL ONE Information displayed on the report is inconsistent across all XXXX agencies. CAPITAL ONE has been deleted from XXXX due an investigation that resulted in incorrect information being reported and as a result I am requesting that XXXX delete CAPITAL ONE from my report to reflect consistency across all 3 CRAs. 

DEPT OF EDUCATIONXXXX - Information displayed on the report is inconsistent across all 3 agencies. DEPT OF EDUCATIONXXXX has been deleted from XXXX due an investigation that resulted in incorrect information being reported as well as the Family Education Rights and Privacy Act of 1974 ( FERPA 1974 ) and as a result I am requesting that XXXX delete DEPT OF EDUCATION/XXXX  as well from my report to reflect consistency across all 3 CRAs

Company response to consumer: Closed with explanation