Consumer complaint received 2021-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2021 To whom it may concern at the Consumer Financial Protection Bureau : Today I received the attached collection letter from a collection agency by the name of, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 

And I would like to file a complaint against both of the above named collection agencies, and I am disputing this debt through your agency, because I do not owe it, and I want LVNV, and this XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, to cease and desist from harassing, and contacting me about this debt that I do not owe. 

I have had no dealings with Capital One for almost 2 years, and I do not owe this fraudulent collection that I am being charged with. 
I have previously disputed this fraudulent debt with Capital One, and yet they insist on slandering my credit with a debt that they know full well, that they have run up. 

Capital One has wrongfully and maliciously ran up this debt with fraudulent charges and fees that I do not owe to them, and they are passing this fraudulent information onto these shyster collection agencies to use harassment tactics to try and collect. 

XXXX XXXX places themselves onto consumers credit files with fraudulent status date information trying to make their fraudulent collections look as though these are debts that the consumer has recently had dealings with, as recently as 2021. 
And I want theirs, as well as this XXXX XXXX Solutions, LLCs false information removed from all of my credit files. 

On consumers credit files XXXX  places themselves, and thieving Capital One will also be on the credit files as well, destroying consumers credit files with 2 false fraudulent collections for the same debt. 

And if they use other collection names like this XXXX, they will also add them as well to the credit files, so the consumer is left battling to get off 3 collections that have been placed onto their credit files for the same false collection information. 

Capital One has no problem doctoring up statement information to make it look as though their information is accurate, and XXXX XXXX has no problem running with it. 

As previously stated, I am disputing the collection, and I want any and all derogatory information removed from all of my credit files. 

This SXXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX and all of their other related affiliates, are claiming that they have the right to pass on any, and all of my private information, and I want to contest that. 

By Law, just because they are collection agencies shouldnt give them the right to invade my privacy, and pass on my private information on to whomever they feel like they want to, and I would like your assistance dealing with that. 

XXXX XXXX XXXX, and their affiliates have a way of handling their companies as though they are above the law, and they can do as they please, and as stated above, I should have rights, and I dont feel that they should have free reign with my private information.

Company response to consumer: Closed with explanation