Consumer complaint received 2023-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have spent approximately XXXX hours diligently attempting to correct the errors on my credit report, in compliance with the FCRA. Unfortunately, these errors have caused significant distress and financial damage, violating my rights as outlined by the FCRA.

The consequences of these errors include but are not limited to : 1. Loss of housing opportunities : The inaccuracies on my credit report have resulted in the denial of housing opportunities, depriving me of suitable housing options. This violation of my rights under the FCRA has caused financial hardship, emotional distress, and mental anguish.

2. Emotional stress and mental anguish : The ongoing struggle to rectify the inaccuracies on my credit report, despite my diligent efforts, has caused substantial emotional stress and mental anguish, infringing upon my rights under the FCRA.

Despite multiple attempts to rectify this matter, such as sending letters to the Federal Trade Commission ( FTC ) and submitting dispute letters to CAPITAL ONE, no substantial action has been taken to correct the inaccuracies and remove the fraudulent accounts from my credit report, as mandated by the FCRA.

Therefore, I implore you to fulfill your obligations under the FCRA and take immediate and appropriate action to rectify this situation. I kindly request that you : 1. Conduct a thorough investigation into the accounts listed above and their association with my identity, in accordance with the FCRA.

2. Remove all fraudulent and incorrect accounts from my credit report, as mandated by the FCRA.

3. Update my credit report to reflect accurate and updated information, in compliance with the FCRA.

4. Provide me with written confirmation of the actions taken to resolve this matter, as required by the FCRA. Please be advised that the damages caused by these inaccuracies extend beyond mere financial losses. Under the FCRA, I am entitled to fair compensation for the harm I have endured as a result of these errors, including financial losses, mental stress, and mental anguish. It is imperative that CAPITAL ONE recognizes the gravity of this situation and takes immediate action to rectify the errors on my credit report. If CAPITAL ONE fails to take appropriate action within a reasonable timeframe, as prescribed by the FCRA, I will be left with no choice but to seek legal counsel and pursue legal remedies to ensure that I am fully compensated for all damages incurred. This may include filing a lawsuit to seek restitution for financial losses, mental stress, and mental anguish caused by CAPITAL ONE 's failure to address these issues, as provided for under the FCRA.

I trust that CAPITAL ONE will demonstrate full compliance with the FCRA by promptly investigating and resolving this matter. I expect a written response detailing the steps taken to investigate, remove the disputed accounts from my credit report, and provide the necessary updates, as required by the FCRA. Additionally, I request written confirmation of the resolution of this matter and the removal of the inaccurate information from my credit report, in accordance with the FCRA.

I have attached supporting documentation, including copies of the letters sent to the FTC and previous dispute letters submitted to CAPITAL ONE, as evidence

Company response to consumer: Closed with explanation