Consumer complaint received 2023-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
NOTICE OF DISPUTE/ DELETION LETTER. To whom it may concern, your company " CAPITAL ONE '' has broken many laws and violated me and my rights as a consumer. Pursuant to 15 U.S.C 1681 ( a ) ( 1 ) where it is stated by congress that the banking system is dependent upon my consumer report being fair and accurately furnished. I will state again that my report has many inaccuracies and violations that your company refuses to take responsibility and accountability for and fix in the exact manner that I have request multiple time which are in accordance to the consumer laws and my rights. My report is inaccurate and that is unfair to me. I was never notified when this inaccurate information was being furnished. Pursuant to 15 U.S.C 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your companies ' procedures and as a result of this I WILL NO LONGER BE EXTENDING MY CREDIT, and if this information is not DELETED, you will be held civilly and criminally liable. Pursuant to 15 U.S.C 1681 ( a ) ( d ) ( 2 ) ( a ) ( i ) You have made illegal and unsanctioned reports containing information solely as to transactions and experiences which is a violation against my rights as a consumer. This nonsense that your company has caused has tarnished my reputation and adversely affected my credit worthiness as well as negatively affected mine and my family 's livelihood. Due to this negligence my rights privacy has been violated and breached. Again, to be abundantly clear here pursuant to 15 U.S.C 1681 ( a ) ( d ) ( 2 ) ( a ) ( i ) where congress makes it extremely clear that a consumer report should not include any transactions between the consumer and the person ( s ) making the reports. These alleged transactions that your company is reporting whether it factually took place or not can be categorized as a transaction that took place between the consumer and the person making the report. Which means as stated before should not be included in my consumer report and is actually and factually by law a violation of my consumer rights. Pursuant to 15 U.S.C 1681 ( a ) ( 2 ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company is categorized as a transaction that was issued from a credit card as it is defined under 15 U.S.C 1602 ( L ). Also, pursuant to UCC 3-104 this account has been falsely and fraudulently closed. Because I mailed in a payment in the form of a negotiable instrument via the detachable remittance coupon provided to me in the periodic statement you mailed to my house, which I assured it had the full amount and whilst being properly endorsed as well as the laws pertaining to legalities of this action noted on the surface of the instrument used. For some reason you decided that you didn't want to accept my legal form of payment and immediately closed down my account. By law does one not only lose all rights to payment that may be owed to them by denying the other parties legal instrument of payments, but also pursuant to 15 U.S.C 1691 ( a ) you are in violation of discrimination. You have discriminated against me by choosing to close my account for the mere fact that I have in good faith exercised my rights. You have two options. 1. Delete any and all information you may have of me and with any person or agency that you may have furnished my information with. In which you have also done this fraudulently. Pursuant to 15 U.S.C 1681b ( 2 ) You don't have written instruction from me the consumer to furnish my information, better known as permissible purpose. So not only did you never receive permissible purpose from anyone especially me as the consumer to whom it relates, you never gave me the proper disclosures to the fact that I have the right to opt out of my information being furnished. So now we are tying in misinformed and ill-informed decisions. I hope you understand where this is going. With all this being said option number 2. You will right your wrongs and reopen my account, remove any and all late payment and credit utilization fraud information that you have furnished to any person or agencies.

Company response to consumer: Closed with explanation