Consumer complaint received 2021-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

OnXX/XX/XXXX a complaint was submitted. Complaint ID is as follow : XXXX Im aware I was violated. As a natural person who is federally protected who seeks or acquires goods or services for personal, family, or household use only in accordance with the federal regulation. 

Im notifying CFPB that the consumer identified company helped damage my name and my reputation. This corporation offensive actives towards me as a consumer, such unauthorized use that didnt serve me any benefit. 

Pursuant to 15 USC 1692c ( C ) I notified in writing that I refused to pay this alleged debt and I demanded that all forms of communication be ceased, however the attached shows the consumer identified attempted to contact me. 

The consumer identified stated the following, We have confirmed that the information reported to the CRAs for your Kohls Charge account is accurate. Updating the information as you requested will create an inaccurate representation of the status of your account with us. The integrity of the credit reporting system relies on the validity of the information furnished ; we therefore respectfully decline your request to remove the account from your credit file. We apologize for any frustration this may cause. 

The Consumer identified company I believe has violated the Fair Credit Reporting Act by furnishing information to credit reporting agencies they knew or had reasonable cause to believe was inaccurate, by failing to conduct reasonable investigations of disputes, and by failing to report the results of those investigations to consumers. As stated, I the consumer, the natural person, requested specific information and per the attached, my request was not answered appropriately. 

The FDCPA simply states a requirement of the debt collector to deliver, to I the consumer and affiant, in the process of validating a debt. No debt has been validated, and I have never admitted any liability of this alleged debt in the past and I do not claim liability now. No proof of claim can be validated without the requested information which was provided. See attached. 

In addition, it is a fact, I am aware a creditor in connection and in accordance with 16 CFR 433.1 ( c ) can not be both a credit card issuer and a creditor at once. 

Notice, it is a fact, affiant has reason to believe and do so believes, this contract, pursuant to 16 CFR 433.1 ( f ), was intended to be written agreement with full willful disclosure as required in the Truth in Lending Act to in order for I the affiant, to be able properly contemplate any concerted and or cooperative activity between I, and KOHLS. Upon discovery, I have reason to believe and do so believe I did not receive such disclosure, as to be shown in the documents attached. 

Notice, it is a fact, in accordance with 16 CFR 433.3 ( b ) ( 4 ), I the natural person, the consumer, has reason to believe and do so believes, a contract can not does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer, such as I, the affiant, to right to assert me against any holder of a contract with any and all legally sufficient claims and defenses which could be asserted against the seller of goods or services, and in this subject matter is KOHLS pursuant to the contract otherwise such contract is unenforceable and void.