Consumer complaint received 2021-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
The following accounts has been in dispute since XX/XX/XXXX. All of these accounts have been furnishing inaccurate and outdated information on my credit report which has affected my credit reporting drastically. 

CAPITAL ONE Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX When I first disputed this account CAPITAL ONE Account Number : XXXX noticed the dates of last payment was different. I dispute this account again in XXXX and the Date of Last Payment stated : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX , XXXX XX/XX/XXXX. which is why they are reflecting multiple late payments. These late payments need to be removed due to different dates of payments being reported. 

XXXX XXXX Account Number : XXXX the dates of last payment are different. Date of Last Payment : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. 

XXXX XXXX Account Number : XXXX the dates of last payment are different Date of Last Payment : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX the dates of last payment are different Date of Last Payment : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I sent a written response for all of these accounts and never received my dispute results. This violated the furnisher rule Section 623 ( a ) ( 2 ) ( B ). I asked for reinvestigation of this account within my dispute letter that was sent out via certified mail XX/XX/XXXX simply asking for the following : actual proof of the information was verified, not a computer generated confirmation, account open and closing billing cycles, signed contracts between both parties The names and business addresses of each individual with whom you verified the information with above, The date you contacted the individual furnishers of information, The method of communication you used to verify the information. 

Nothing was sent out to me and I never received written verified results from my dispute as well as a reimport of verified results when I refreshed my credit report. I resent out a certified mail letter on XX/XX/XXXX reminding them of the ( 30-45 ) days to complete your re-investigation as well the attached letter from XXXX. There has not been any reinvestigation of this account at all. Not even a computer generated confirmation. Instead when I refreshed my credit report for the month of XXXX they furnished the date of last payment on the following accounts. 

CAPITAL ONE Account Number : XXXX still has different dates of last payment Date of Last Payment : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX is XX/XX/XXXX XXXX XXXX Account Number : XXXX still has three different dates of last payment XXXX XX/XX/XXXX , XXXX shows a date of XX/XX/XXXX and and XXXX is XX/XX/XXXX XXXX XXXX Account Number : XXXX has three different dates of last payment XXXX has a date of XX/XX/XXXX, XXXX XX/XX/XXXX XXXX has a date of XX/XX/XXXX. 

XXXX XXXX Account Number : XXXX they have three different dates of last payment consisted of XXXX shows a date of XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX is XX/XX/XXXX. As well they are still showing multiple different dates of late payment under the payment history and missing the date of delinquiency for this account in which I requested which is a violation of FCRA 623 ( a ) ( 5 ) ( B ). Please review my attached documentation showing proof of this account that has been in multiple violations under FCRA.

Company response to consumer: Closed with explanation