Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Dear XXXX, I am writing to formally demand resolution for the inaccurate and violating acts committed by your credit bureau , which have directly infringed upon my consumer rights. Upon reviewing my credit reports, I have discovered numerous instances of inaccurate information that have caused significant harm to my creditworthiness and financial well-being. 

It is my belief that these inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), which protects consumers like myself from the dissemination of false and misleading information. I have diligently attempted to rectify these errors through your dispute resolution process, but have been met with inadequate investigations and insufficient responses from your bureau. 

Therefore, I am formally demanding that you initiate an arbitration process to address and rectify the following issues : XXXX. CAPITAL ONE XXXX - This entry is completely false and has unjustly tarnished my credit history. I have provided evidence to support my claim, yet it has not been adequately addressed. 

XXXX. CAPITAL ONE XXXX - Balance - This entry contains incorrect information regarding my payment history, leading to an unfair assessment of my creditworthiness. I have repeatedly contacted your bureau to dispute this entry, but have received no satisfactory resolution. 

XXXX. CAPITAL ONE XXXX - Payment History - This entry reflects a debt that has been CLOSED XX/XX/XXXX, yet CHARGED OFF XX/XX/XXXX as it continues to be reported as outstanding. I have provided documentation proving its resolution, but your bureau has failed to update the information accordingly. 

XXXX. Account Inquiries- I did not give permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. The unauthorized and fraudulent credit inquiries made by the following companies : I demand you, to produce a contract between you and I, the consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 


I am asserting my right to have these matters resolved through arbitration, as outlined in the FCRA. I trust that you will comply with this request and provide me with the necessary information and instructions to initiate the arbitration process. Failure to do so will leave me no choice but to pursue legal remedies to protect my rights as a consumer. 

I look forward to your prompt attention to this matter and a swift resolution. Please provide me with a written response within [ XXXX  days ] to confirm that you have initiated the arbitration process and are taking the necessary steps to address these violations. 

Thank you for your immediate attention to this serious matter.