Consumer complaint received 2020-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have talked to someone in CFPB over the phone a few days ago. I have been sending 2 credit bureaus letters about XXXX XXXX and they keep telling me that it is verified when I have clearing been sending XXXX and XXXX that it has been removed off my credit file from XXXX. I have clearly sent then the document of the information but they're coming back verified. So the person I have talked to over the phone told me to call Capital one to requests them to remove from XXXX XXXX and I have done so. I told Adding one that Capital One Has been removed off my credit. I have Called Capital One and I have requested it. I told them that they have been removed off my credit, however, Capital did not want to make my request. They said they have not gotten anything from the 3 credit bureaus that it has been removed from my credit report from their system. I was told that they can not do anything about it because they no longer hold the debt anymore, however they asset to ask me about getting my information to see if it was a fraud and than they can see if they can help me with XXXX XXXX. I have declined to give them any of my information. It no reason because Capital one has been removed and all 3 credit bureaus I am asking for them to contact XXXX XXXX to be removed off my credit report because it is not accurate and is not mine. Aswell as XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) by not responding to my letter I have sent them that was delivered at XXXX XXXX on XXXX XXXX, 2019, in XXXX, SC XXXX. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive a confirmation via mail that you did receive my letter on XX/XX/2019. 
Since XXXX XXXX is still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. For Capital One I will also bring you to small claims as well because I have requested this to you and you're still trying to collect even though I have told you that you have been removed off my credit for not being 100 % accurate from all 3 credit bureaus which you can contact them so you can remove my name from your system saying I owe you, witch, I do not awe you nothing. Again Since you're the original creditor capital one I suggest you contact XXXX XXXX to be removed off my credit file from XXXX & XXXX. Both Capital One And XXXX XXXX If you post me a see attachment by saying I owe you, witch, clearly Capital One has been removed off my credit file from all 3 Credit Bureaus and XXXX XXXX getting removed from XXXX and still trying to collect witch I do not owe yall anything. I will send submit a Consumer Complaint to the California Attorney General XXXX XXXX and I will file small claims to take you both to court for defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit and effecting me from going to school.

Company response to consumer: Closed with explanation