Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I'm a victim of identity theft. My XXXX XXXX XXXX Report number is XXXX. Certified dispute letters were sent to XXXX, XXXX and XXXX frequently since XX/XX/XXXX. XXXX responded to my dispute letters by removing the accounts with XXXX, Capital One, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX I've disputed the following accounts with XXXX and XXXX on my consumer reports : Capital one, XX/XX/XXXX, XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX . I will enclose copies of my consumer reports to prove they failed to report the accounts as disputed within 30 days according to the FCRA. I have contacted XXXX and XXXX on numerous occasions to dispute and request removal of the accounts due to the creditors/credit bureaus violating the FCRA Section 623 by Re-Aging the accounts reporting inaccurately, date of last activity reporting inaccurately, collection agency 's failed to report disputed debt, credit bureaus have stated that the accounts are valid, but they failed to provide a method of validation and continued to report inaccurate information, credit bureaus failed to correct information after being provided proof of inaccuracy. I have provided copies of my credit reports proving creditors failed to report the accounts as disputed to XXXX and XXXX. I sent copies of certified dispute letters and I also attached the copies to previous Consumer Financial Protection Bureau complaints. XXXX and XXXX continues to report inaccurate information and have refused to remove the inaccurate information from my consumer report. On XXXX report, XXXX date of last activity is inaccurate, payment history is reporting inaccurately and the account has not been reported as disputed. XXXX and XXXX are reporting date of last activity on the account with Capital One, and the account has missing account history. XXXX  the date of last activity and payment history history is reporting inaccurately, XXXX XXXX  date of last activity, payment history, times and days late status is reporting inaccurately. The account has not been reported as disputed. The account with XXXX has been Re-aged and the payment history is missing on the XXXX report. The account with XXXX has not been reported as disputed. Although there has been several re-investigations, XXXX and XXXX continues reporting inaccurate information on my consumer reports On XX/XX/XXXX I mailed certified letters to XXXX, the representative refused to sign for the letters and I received no response. I sent a certified letter requesting XXXX to update my personal information. XXXX is reporting inaccurate variations of my name and addresses after I have provided a copy of my drivers license and a bill. XXXX and XXXX have failed to consistently respond within 30 days via postal service. My last hard copy of the investigation results from XXXX was XX/XX/XXXX. I have consistently been contacting XXXX since XXXX. I am keeping a careful record of my interactions with XXXX and XXXX. My rights have continuously been violated. My credit score is being effected. I'm being forced to pay high interest rates because XXXX and XXXX have failed to comply with the law.