Consumer complaint received 2024-05-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX, Fl XXXX XX/XX/XXXX XXXX, XXXX, XXXX Subject : Dispute of Erroneous Addresses on Consumer Credit Report, collections, late payments, charged off, hard inquiries Dear Sir/Madam, I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency - List Incorrect Addresses, phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX type - XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident - Cellular ( XXXX ) XXXX Residential XXXX XXXX XXXX XXXX List Erroneous/Inaccurate/Fraudulent Account Names Account Numbers CAPITAL ONE Potentially negative Date opened XX/XX/XXXX Balance {$7100.00} Status Account charged off. {$7100.00} written off. {$7100.00} past due as of XXXX XXXX. 
CAPITAL ONE Potentially negative Date opened XX/XX/XXXX XXXX {$3400.00} XXXX XXXX. 
XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$7700.00} XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2000.00} XXXX XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3000.00} Status Account charged off. {$3000.00} written off. {$3000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$460.00} Status Collection accounts Hard inquiries on my credit report that I did not give permission to run my credit XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX Inquired o This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
2.

15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report.

I request a thorough investigation into these inaccuracies.

15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed.

I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report.

Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 
Sincerely. 

XXXX XXXX