Consumer complaint received 2017-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
XXXX   XXXX   /3 requests Social Security number :   XXXX    Date of Birth  XX/XX/XXXX  -- -- Telephone number   XXXX      XXXX   XXXX   XXXX   XXXX    XXXX , Texas  XXXX  Capital One   XXXX   XXXX   XXXX    XXXX , North Carolina,  XXXX  Consumer Financial Protection Bureau   XXXX   XXXX   XXXX     XXXX   XXXX  , IA,   XXXX   Federal Trade Commission   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , DC,  XXXX  Account number #  XXXX  To Whom It May Concern, I am writing in regards to a late payment on XX/XX/XXXX  for Capital One Credit Card account.
I sent a letter dispute to Capital one on  XX/XX/XXXX  requesting a validation of debt. They responded to me by indicating that I do not owe them any money at the current time and they have requested that my account was at a {$0.00} balance. They provided me in writing that they were going to delete any and all information from my credit report. The late payment has not been deleted from my credit report. This agency indicated that they were going to delete all historical information from my credit report. At this current time this account still remains on my credit report. Im requesting that this information be removed from my credit report.
I have provided all information that is needed to settle the above dispute. I am requesting that all negative information be removed from my credit report regarding this inquiry on my credit report. I am requesting that this information be looked at provided with the most attention. Please request debt verification from this company. I have called your agency and they indicated that this account number is not the accurate account number that is with this account. Im requesting for a debt validation with this account. This company has stated that on  XX/XX/XXXX  that they had sold the account and they would take this information off of my account. This account was deleted from  XXXX , and  XXXX .  XXXX  is the only bureau that this account is showing own. A letter was received by this company. On  XX/XX/XXXX . This company has not deleted this account like they advised me that they were going to delete. I have called this company and they indicated that they were in the process of doing an investigation. I requested that all historical negative information deleted from my account. It is upsetting that this company tells me one thing but actually does another thing. This information is currently on their letterhead. If this company has advised me of that information they should honor their response. Im requesting this information be deleted from my account.
If this account can not be deleted Im requesting the following information be provided to me for debt verification. Please respond to my request. Im requesting that your company contact   XXXX   all historical negative information.
Attached is a letters from Capital One.
This debt will also be referred to the Fair Credit Billing Act- Title 15, Chapter 41. The Fair Debt Collection Practice Act, U.S.C., Title 15, Section 1692, Public Law 95-109. Consumer Credit Reporting Act of 1996, U.S.C., Title 15, Section 1601, Public Law 104-205

Company response to consumer: Closed with explanation