Consumer complaint received 2018-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX/XXXX/XXXX RE : Capitol One Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account to which you have claimed a credit card account I am only provided half of the numbers to as mine, but that it is somehow closed even though the payment is reported as current as of XX/XX/XXXX. How was this past due 30 days then paid then closed? How can a card with a {$600.00} limit be reporting at {$1900.00} as the highest ever balance? What month did this occur? How was this figure calculated? What notice was provided that the limit was exceeded so grossly above the limit? 
Status Updated XX/XX/XXXX Usage 274 % Balance {$1600.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment {$68.00} Past Due Amount -Highest Balance {$1900.00} Due to these inconsistencies I am giving you formal notice that your erroneous claims are now being disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I would also need to be provided a complete account number so that I can verify the legitimacy of these claims. I also demand the procedures and methods the individuals used in the validation process. I also request to know the steps taken and exactly how they arrived at these conclusions with such limited information. 
Additionally, please provide the names, addresses, and telephone numbers of each and every person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please be advised according to The FCRA, pending upon the outcome of my investigation from any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Please also be aware that any negative mark found on any of my credit reports including, but not limited to, XXXX, XXXX and XXXX, from your company or any company that you represent or that represents you, for a debt that I don't owe, is a violation of the FCRA, FTC & FDCPA. Therefore, if you can not validate the debt in 30 days, you must request that all credit reporting agencies delete the entry immediately. 

Failure to respond within 30 days of receipt of this letter may result in a small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief