Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Capital One XXXX. XXXX   XXXX XXXX, VA XXXX Reference account : To Whom It May Concern : I have recently been informed that there is a negative information reported by capitalone also known to me as XXXX  XXXX XXXX in the file you maintain in XXXX regarding my XXXX XXXX  XXXX account # XXXX which your claim of XXXX placed on this account as if I never paid this money on a duplicate account that your representative open a new account leaving me with 2 active accounts the other account number is XXXX ( your sales person was not paying attention to what I requested, when making this purchase in XX/XX/XXXX. I was paying my original account while fees were applying to an account that was wrongfully opened. I spoke repeatedly in hours long conversation with many people at capital one to resolve this matter. Each person I spoke with led me to believe this shouldnt be a problem and they will fix this issue, only for it to arise again. I last asked in XX/XX/XXXX verbally for capitalone to fix my credit score and they stated it would be resolved. They fixed my account but my score still remains as if I was derogatory in paying something that I paid. My request to your sales person was to pull up my account so I can make the purchase in the store without having my credit card with me at the time. My request was never to open an additional account for the same store, which has resulted in this poor score causing massive confusion ). 
I challenge the accuracy, compliance and report ability of this listing. 
Please validate this information with ( XXXX, XXXX, XXXX and Capital One and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
Please note that you have 30 days to complete this investigation, as per the fair credit reporting act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of you actions, including your Method of Verification. I do not consent to XXXX-XXXX or any means of automated verification Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violations for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit reporting act Please note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status My contact information is as follows XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Last 4 ssn : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an oline public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office ( XXXX XXXX ) Cc : XXXX XXXX XXXX