Consumer complaint received 2017-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
To Whom It May Concern : I have recently been informed that there are negative information reported by XXXX XXXX in amount of {$3600.00}, and {$970.00}, Capital One in the amount of {$4500.00} and {$3500.00}, XXXX in the amount of {$1600.00}, XXXX XXXX in the amount {$0.00} openedXX/XX/XXXX and showing 120+Days Late and closed with a return mail request, XXXX XXXX XXXX in the amount of {$0.00} opened XX/XX/XXXX with charge-off status, XXXX in the amount of {$0.00} opened XX/XX/XXXX with payment status charged-off and return mail letter, XXXX XXXX XXXX in the amount of {$14000.00} with charge-off status, XXXX XXXX XXXX in the amount of {$10000.00} with charge-off status, XXXX XXXX XXXX in the amount of {$6500.00} with charge-off status, XXXX XXXX XXXX in the amount of {$5500.00} with charge-off status, XXXX, XXXX, and XXXX on my credit file they maintained under my Social Security number. I sent all the listed creditors letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking to provided documented proof, bearing my wet signature, showing I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I also asked the original creditors as well as XXXX, XXXX, and XXXX to provide me proof of the signed contract and copies of any documentation associated with this account, bearing my signature which they claim the account belongs to me. Furthermore, I formally asked the original creditors I listed, as well as the XXXX, XXXX, and XXXX, that In the absence of any such documentation bearing my signature, I formally request that the information be immediately deleted from my credit file they maintained under my Social Security number. As of XX/XX/XXXX, no one from the original creditors and the Credit Bureau still have not provided me with any documentation or contracts, bearing my wet signature, showing me proof that I consented to them running any inquires or having a contract with them for what they say belongs to me. I was also told by original creditors, as well as the 3 credit bureau, XXXX, XXXX, and XXXX, that they do n't have to show me any proof of a signed contract, bearing my wet signature, and that I heeded to take it up with the Credit bureau to get it removed. In other words, giving me the run around. When requesting documented proof of the contract and asking to show proof I consented to having the original creditors run inquiries, bearing my wet signature, the original creditors sent me billing statement stating this was verification. I never asked for billing statement because that 's not showing any contract or documented proof, bearing my wet signature, that they was authorized to run an inquiry or even prove the account is even mine. This is wrong and when I asked where does it say in the FCRA that you do n't have to show me proof, they could n't tell me and only said that it was in FCRA.

Company response to consumer: Closed with explanation