Consumer complaint received 2017-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card
Issue: Other

Complaint:
Beginning in XXXX of XX/XX/2016 I submitted several letters to all XXXX credit reporting agencies. Each time I have received different responses. I asked that the account be removed or at least put into dispute within 30 days of the letter as required by law. Not only was this not done, I was declared dead by the credit card company, then told I was alive, and then told there was never an issue about my death and therefore the matter was not in dispute any longer. I resubmitted letters in XXXX, XXXX, and XXXX and each of them had to address a different issue. First they said they could n't find a record of my account. Then they said I owed the money and finally they went back to saying they could n't find the account. However, there has never been a dispute placed on any of my credit files and as such, I believe these cards and the negative reports should be simply removed. 

XX/XX/2016 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim My Account was charged off.. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation