Consumer complaint received 2016-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I attest that I, XXXX XXXX, both own this account and - am submitting on behalf of myself through the CFBP for all complaints. There is no Credit Repair agency involved, and there has not been one submitting any disputes or other information -- - on my behalf. 
I will expect that with this deceleration that you allow for the CFBP to simply follow procedures in both the acceptance of a dispute and then, the response to the same in this portal. 

I OWN this account, and do not dispute its ownership. Classification of this issue as anything else is against all rules and then laws that govern your compliance to react to a consumer inquiry, as XXXX has done 6 times in XX/XX/XXXX alone. 

This complaint/dispute is regarding the ACCOUNT INACCURACIES/STATUS. Please research its details in that manner. Attached are screen shots of the current status of the XXXX XXXX XXXX. ( XXXX ) account on file with XXXX. This account remains - INNACURATE and INCOMPLETE, and by law must be deleted. 

Please do not manually " update '' the record any further, in a XXXX decision to attempt to fix this record, as the attached history will reflect - and the existing CFBP complaint about this damaging activity will reflect - is destroying my credits scores/history single handily. 

The following issues still exists - with NO response from this agency on the issues brought forth in this complaint, and even with numerous phone calls and written disputes. Have been provided. 

1. XXXX XXXX XXXX, is a CLOSED collection account. XXXX. This account continues to remain OPEN, with no DATE CLOSED. XXXX has failed to update the status of this account and include a DATE CLOSED value, and this account is inaccurate. 

2. This account is inserted into my credit record, as a Credit Grantor - and should not be, please see the attached sample XXXX report ( from XXXX published and trusted website ) that displays how they are expected to report COLLECTIONS, in the COLLECTIONS segment of a credit report, and for ALL collections. Please see attached - Sample Credit Report - XXXX ( its own published document ) for this CRA 's standards for a credit report. Insertion of a collection account 3. According to the XXXX and the XXXX, and the XXXX 2 file specifications, COLLECTION accounts are forbidden to use or store, ACCT TYPE 's that are = XXXX -- Collection Agency/Attorney XXXX -- Returned Check XXXX -- Factoring Company Account ( includes Debt Purchasers ) This account lacks any of these dedicated Debt Collector values for their use only. 

Please see the attached XXXX layout specification, pulled from a search online. 

5. Equifax has added a PAY HISTORY ( deleted, added, re - added ) XXXX XXXX XXXX has NOT reported any changes since XX/XX/XXXX, and a COLLECTION ACCOUNT is not allowed to store " Rate/Status '' of 120 days past due. This value is dedicated to Credit Grantors, as per the XXXX, XXXX and the XXXX File specification standards. 
File Name XXXX - Past Due 120. 

6. XXXX XXXX XXXX - can not extend credit - and CAN NOT be a RETAIL credit grantor - please see the attached history for the data elements that are used, in direct contrast to published file and usage ( XXXX ) standards. 

This account is so INCORRECT, the attempt to manually manipulate data to make it look more accurate - is an epic failure on their side. 

Delete the INNACURATE and INCOMPLETE Accounts

Company response to consumer: Closed with explanation