Consumer complaint received 2015-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
After clearing up any and all outstanding debts that I had, as well as, educating myself with my finances, I ran all XXXX credit reports and understood what I was looking at. I ran my credit report in XXXX and immediately sent all the companies on my report with incorrect debt information and my name listed on debts that are not mine. I requested a formal response to prove the account was mine. Capital One replied many discrepancies with XXXX separate letters dated on XXXX XXXX, XXXX. On the credit report it states " my account '', that I do not recall, was charged off with a balance of {$250.00} with CAPITAL ONE # XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXXXXXXBut then states in the letters ( Letter XXXX ) dated XXXX/XXXX/XXXX, account ending in XXXX, ( stalling tactic ) that they are asking me for the information that I had already given them in my original letter that was mailed by certified mail. I can include that letter to you that shows all the information was already stated on the original letter. the ID on this letter they sent me is XXXX and requesting me to mail them back AGAIN. 

The XXXX letter dated XXXX/XXXX/XXXX Ref # XXXX with Acct ending in XXXX states they are informing me that this account has been sold to XXXX XXXX with a balance of {$450.00} and for me to contact them. And the ID on that letter is XXXX have never made any payment to Capital One for any credit card in XXXX, XXXX or XXXX and I wanted proof that this account was indeed mine. The amount said due and the credit limit as well as what I am saying that I owe do not add up. I am stressing out over these letters which show me that they can not validate this account and that there is possible fraud due to a credit card that I do not own. I have spent a large amount of money trying to clear these debts that are not mine, and have been to the doctor repeatedly for the other conditions in which have been affected by these debt stresses. I can not sleep and hope this can be cleared. Please investigate this and inform me of what else can be done. I have sent the company my social, ID, copy of the credit reports and capital One is requesting it again and now says I need to contact other companies in which they are listed on my XXXX credit reports. 

Listed on all three credit reports by Capital One. 
Date Opened : XXXX/XXXX/XXXXResponsibility : Individual AccountAccount Type : Revolving AccountLoan Type : CREDIT CARDDate Updated : XXXX/XXXX/XXXXLast Payment Made : XXXX/XXXX/XXXXOriginal ChargeOff : $ XXXXPay Status : & gt ; Charged Off & lt ; Terms : Paid MonthlyDate Closed : XXXX/XXXX/XXXXHigh Balance : High balance of {$390.00} from XXXX to XXXX ; {$440.00} from XXXX to XXXX ; {$440.00} from XXXX to XXXX ; {$450.00} from XXXX to XXXX/XXXXCredit Limit : Credit limit of {$300.00} from XXXX to XXXX ; {$300.00} from XXXX to XXXX/XXXXEstimated month and year that this item will be removed : XXXX

Company response to consumer: Closed with explanation