Consumer complaint received 2023-12-26
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 (CA)

Once again for the XXXX time I have asked for the inaccurate information to be removed from my report! My payment was made for XXXX, XXXX, and paid off balance in XXXX! Not one concern has been properly addressed with support documents! I never placed a cease and desist on my account! I have still not been provided evidence of this! I also advised that the statement address provided was not formatted correctly therefore I confirmed if it not correct they will try and deliver mail but there is no guarantee! You messed up my credit for a month in which payments have been consistently made! I have already sent this to the California state attorney general. My rights have been violated please see the below : 29.518 Reporting delinquent debts to credit bureaus.

( a ) Notice. If a debtor 's response to the demand letter does not result in payment in full, payment by offset, or payment in accordance with a voluntary repayment agreement or other repayment schedule acceptable to the Benefits XXXX, and the debtor 's rights under 29.512 through 29.514 have been exhausted, the Benefits XXXX must report the debtor to a credit bureau. In addition, a debtor 's failure to make subsequent payments in accordance with a repayment schedule must result in a report to a credit bureau. Before making a report to a credit bureau, the Benefits XXXX must notify the debtor in writing that ( 1 ) The payment is overdue ; ( 2 ) The Benefits XXXX intends, after 60 days, to make a report as described in paragraph ( b ) of this section to a credit bureau ; ( 3 ) The debtor 's right to dispute the liability has been exhausted under 29.512 through 29.514 ; and ( 4 ) The debtor may avoid having the Benefits XXXX report the debtor to a credit bureau by paying the debt in one lump sum or making payments current under a repayment schedule. 

( b ) Report. If, after being sent the notice described in paragraph ( a ) of this section, the debtor does not pay the overpayment debt or make payments current under a repayment schedule or fails to respond to the notice, and 60 days have elapsed since the notice was mailed, the Benefits XXXX will report to a credit bureau that the debtor is responsible for an unpaid debt and provide the following information : ( 1 ) The debtor 's name, address, taxpayer identification number, and any other information necessary to establish the identity of the individual ; ( 2 ) The amount, status, and history of the debt ; and ( 3 ) The fact that the debt arose in connection with the administration of XXXX XXXX XXXX under a District Retirement Fund. 

( c ) Subsequent reports. The Benefits XXXX must update its report to the credit bureau whenever it has knowledge of events that substantially change the status or the amount of the liability. 

( d ) Other reporting of delinquent debts. Pursuant to 31 CFR 901.4, delinquent overpayment debts should be reported to the Department of Housing and Urban Development 's Credit Alert Interactive Voice Response System ( CAIVRS ).

( e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau or CAIVRS.