Consumer complaint received 2018-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am having an ongoing dispute with Kohls department stores. I did not receive a statement in XX/XX/XXXX consequently the account fell delinquent and was reported to the credit bureau for being late. I caught up my payment in XXXX then in XXXX did not receive another statement again. Having 40+ accounts I pay monthly I did not realize that the statement did not arrive. When a Kohls representative called me on an XXXX recorded line to inform me of my late payment after confirming my identity she questioned me on my address. She asked me if I lived at XXXX XXXX XXXX, I explained to her no I did not I live at XXXX XXXX XXXX XXXX  XXXX. Her response was oh lets change that. I asked her if she had to XXXX XXXX XXXX as my mailing address and she confirm to me that yes she indeed did. I further went on to suggest that because they had the wrong address I should not be held accountable for the in accurate information reported to the credit bureau as I have never lived at that address and Ive only lived at this address for 6+ years. The representative assured me that she would notify the credit reporting agencies that they had inaccurate information and that it was an internal kohls error and Would rectify the situation. She suggested that I contact the credit reporting agencys & file a dispute which I did. Several weeks later I received a letter from Kohls stating that the information that was reported to the credit bureau agencies was correct no changes would be made. As a result of this erroneous error my credit score has dropped 53 points. And my previous OnTime payment history that used to be 100 % is now at 99 %. It is important to note that I have had this account since XX/XX/XXXX with no previous late fees and no negative or delinquent payment & To date this is the only negative remark on my entire credit report. Prior to that I have never had any incidences of late fees or negative reporting to the credit reporting agencies. Kohls refuses to rectify the problem, it is unfair to me as a consumer that my credit should drop 53 points and I should have this negative information that is an accurate on my credit report. I am considering legal action and I today am meeting with a attorney to secure counsel to begin the process of taking them to court to file for punitive damages and defamation. I really dont want that I only want the negative tomorrow marks removed from my credit report. Any help that you can supply is greatly appreciated. It is also important to note that I have contacted the residents Who reside at XXXX XXXX XXXX in XXXX and have asked them if they ever received letters from Kohls for me and they confirmed that they have. Since they did not know the person whos mail that was they just discarded it in the trash they have agreed to write up a document stating that and once I have that I will submit that as further proof that indeed the mail billing statements was truly sent to XXXX XXXX XXXX, XXXX mass in correctly. 

I may be reached at area code XXXX and my email address is XXXX Thank you for your time and your attention to this matter and I hope that you can be of some assistance to me as I go through this complicated process. Its very frustrating to say the least. 

XXXX XXXX

Company response to consumer: Closed with monetary relief