Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Consumer Financial Protection Bureau, Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate and outdated information being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, 1681c, and 1681s-2. Please find below the details of the accounts in question : XXXX. Account Name/Number : Issue : The balance reported is inaccurate as it is not mine. This account does not belong to me, and I did not authorize this transaction, nor did I consent to it being reported under my name. 

XXXX XXXX for CAPITAL ONE N A XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Secured CC - none of the {$250.00} securitization funds made it to the balance. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : This section explicitly prohibits reporting inaccurate information knowingly or without reasonable verification. 



2. Violating FDCPA contacting me at all types of hours. 

Portfolio Recovery, please remove XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX  for CAPITAL ONE N A XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX. Account XXXX ( XXXX XXXX ) : Issue : This account reflects a balance for a vehicle that was repossessed nearly XXXX years ago, yet it is still being reported as if I am in possession of the vehicle and have an outstanding balance. 

CAP ONE AUTO XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : The account should not reflect any further adverse information, as the vehicle is no longer in my possession, and the creditor has taken collateral. This balance is inaccurate and misleading. 

Further Violation : If the lender sold the repossessed vehicle, the balance should reflect the adjusted amount, or any deficiency, rather than reporting as if I still possess the vehicle. 


4. Personal information wrong : Name as XXXX, XXXX XXXX XXXX XXXX = correct name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX = correct name I never operated in XXXX XXXX 



These inaccuracies are causing significant harm to my credit and financial well-being. I have the right to privacy and accuracy in my credit reporting under 15 U.S.C. 1681 Section 602 ( a ), and these entries violate those rights. 

I request that the following actions be taken : Immediately investigate and correct the inaccuracies. 

Remove any items that have been inaccurately reported or are unverifiable. 

Provide me with a written confirmation once these corrections are made. 


I have enclosed copies of the relevant documentation to support my claims. Please respond to this dispute within the legally mandated 30-day period, as outlined in the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX