Consumer complaint received 2022-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CAPITAL ONE BANK USA XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX CC CFPB CERTIFIED MAIL RETURN RECEIPT # XXXX XX/XX/2022 ACCOUNT NUMBER:XXXX BALANCE REPORTING INCORRECTLY PLEASE DELETE Dear CAPITAL ONE BANK USA : 2ND DIRECT REQUEST AND 3RD BUREAU REQUEST ***PLEASE NOTE THAT MY CORRECT ADDRESS IS LISTED AT THE HEAD OF FOOT OF THIS LETTER. *** This letter is to inform you that I am disputing your company 's references on my credit report because of lack of completeness, accuracy, and proof of verification. I recently disputed this account with the credit bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete through investigation leaving you and them both in non-compliance. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : PLEASE VALIDATE THIS ACCOUNT ENTIRELY FOR COMPLETENESS AND ACCURACY. I WOULD ALSO LIKE ALL INFORMATION YOU HAVE ON FILE FOR THIS ACCOUNT TO ENSURE THAT IT BELONGS TO ME. THINGS SUCH AS A CONTRACT, FULL ACCOUNTING HISTORY, SOMETHING THAT PROVES THIS ACCOUNT BELONGS TO ME AND I AGREED TO PAY THIS ACCOUNT. ALL DATES OF ACTIVITY, SUCH AS DATE OPENED, DATE CLOSED, DUE DATES, AND DATES PAYMENTS WHERE ACTUALLY RECEIVED. DOCUMENTS THAT SHOW WHAT WAS PURCHASED, THROUGH WHO AND WHEN. 

PLEASE PROVIDE ME WITH PROOF WHEN THIS ACCOUNT WAS OPENED, WHEN THE LAST PAYMENT WAS RECEIVED ON THIS ACCOUNT. 

If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the investigative methods you used to verify my account, a description of the records reviewed, and a copy of all of the documentation, statements and information in your possession that you used to conduct your investigation so that I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

All correspondence should be sent to my attention at the above address. If this address is different from the one you have on file, please update your records to my one and only current address listed above. 

Thank you for your prompt attention to this matter. 

THIS IS MY SECOND REQUEST. IF THIS REQUEST GOES UNANSWERED I AM PREPARED TO SEND ALL CORRESPONDENCES TO THE FEDERAL TRADE COMMISSION AND SEEK LEGAL ASSISTANCE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX :

Company response to consumer: Closed with explanation