Consumer complaint received 2022-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX and XXXX of 2022, I was sent payment presentments via mail and/or via online bill PDF printable billing statements. In response to the presentments sent from the companies, I mailed in my coupons at the bottom of each presentment with the back signed with my beneficiary signature. I then received letters back denying my negotiable instrument/coupons. Shortly after, these companies started negatively reporting on my credit and this has drastically impacted my credit scores. Please note I have sent conditional offers requesting discovery in order to validate the debt the company has alleged I owe and the company is in noncompliance and has yet to send the information requested to validate the debt. My letters and affidavits notarized has been sent requiring companies to rebut by counter affidavit point by point. In addition to validating the debt alleged I owe, the company has been unable to provide a signed contract between me and the corporation via XXXX wet ink signatures as there needs to be XXXX wet ink signatures ( a corporation can not sign a contract because they are soul-less entities and NO third party can sign for a corporation according to the law. Additional, when I submitted a dispute on the companies, the credit bureaus completed their investigation and said the claims the companies alleged against me were valid. On what ground were the claims valid? Because the companies have not provided proof of any actually agreement/contract with XXXX wet ink signatures, nor have they rebutted my notarized witnessed and signed affidavit countering point by point. A copy of a contract not signed by XXXX wet ink signatures are not proof/valid claims of a contract. The lawful terms and conditions are based on fraud, therefore I am forced to use my compelled benefits of having all debts discharged pursuant to the Uniform Commercial Code and pursuant to HJR 192. Please note noncompliance of my letters sent to the companies alleging I have a debt with them violates FCRA section 623 ( a ) ( 3 ) responsibilities of furnishers of information to consumer reporting agencies { 15 USC 1681s-2 }. According to FCRA 609 ( c ) ( 2 ) ( E ) states " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified, '' WHICH IN THIS CASE, the alleged debt is unverifiable for many of the reasons above and much more. Please note verification of debt and validation of debt are two total separate things. Please note, I am contacting you to make a complaint and I am hoping that we can work together to get this resolved quickly as the extreme decrease of my credit scores have damaged every part of my life mentally, physically, emotionally as well as caused hardship etc etc etc. I would really appreciate your attention towards this matter/complaint immediately due to how this has negatively impacted me and my circumstances unfairly and unlawfully.

Company response to consumer: Closed with explanation