Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2024 you received my dispute regarding some transactions and late payments that you and XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you XXXX, stating that the account was verified!!! 

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand the HYPERLINK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer report! Just because a creditor pay your company money to report an consumer experience and transaction that has nothing to do with you don't give you the absolute authority to break the law and report it. DO YOUR COMPANY STILL FOLLOW THE LAWS THAT GOVERN YOUR ABILITY TO EXIST? If so, then how can you validate a late payment unless these following laws has been met? 

Take a look at 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date. 

The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance XXXX compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate. 
I'm also requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate. 
Failure to provide " this '' information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and you ( XXXX, have fraudulently verified an account without a reasonable procedure as required by law. 

Capital One Quick Silver XXXX XXXX P.S. Please stop sending stall letters that don't apply to my letter, ie. 
IT'S BEEN VERIFIED or IT APPEARS THIS LETTER IS NOT FROM YOU.