Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I filed a complaint with the FTC : FTC Report Number XXXX I am writing regarding XXXX who have already violated my rights! 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX is the consumer reporting agency, and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Furnisher of information to credit agencies is a financial institution by definition under that title. Per 15 USC 1681 ( a ) 2 ) speaks about EXCLUSIONS FROM THE CREDIT REPORT, it states that a report containing information solely as to transactions or experiences between the consumer and the person making the report, which makes reporting transaction history on my consumer report illegal and should be corrected immediately. Per USC 1681b speaks on permissible purposes of the consumer report. Subject to subsection ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, the consumer must give written consent to add anything to my consumer report. I did not give any consent to furnish anything on my report. Therefore, this violates the Fair Credit Reporting Act. 

Credit accounts that were not allowed to share my PII with non affiliated 3rd parties. 

XXXXXXXX XXXX XXXX  XXXX account Capital 1 ( 3 accounts ) XXXX  XXXX ( 3 accounts ) XXXX  XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX  ( XXXX XXXX, XXXX XXXX, XXXX, XXXX ) XXXX XXXX account XXXX  XXXX account All 3 credit reports do not match for transaction history. As these reports do not match ( see all accounts below ), the transaction history is inaccurate and Per 15 USC 1681S-2 the responsibility of the furnishers of information to consumer reporting agencies ( 1 ) prohibition ( A ) reporting information with actual knowledge of errors. 



Transaction History mismatches '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also, my XXXX  report has many addresses which are all inaccurate. My only correct address is XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. Please remove these other inaccurate addresses from my credit report, pursuant to section 15 U.S. Code 1681s-2 ( b ) of the Fair Credit Reporting Act, as you have now been made aware of errors and you have a duty to not report inaccurate information. You are hereby on notice by me, the consumer, that those previous addresses are inaccurate. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S. Code 1681s-2 ( b ), so please immediately remove them. thank you. 
Address Mismatches, XXXX : Addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 



Per 12 CFR 1022.3 states identity theft means a FRAUD committed or attempted using the identifying information of another person without authority. Again, anything added to my consumer report without MY WRITTEN CONSENT COULD BE CONSIDERED IDENTITY THEFT. Per 15 USC 1681S-2 the responsibility of the furnishers of information to consumer reporting agencies ( 1 ) prohibition ( A ) reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency IF THE PERSON KNOWS OF, HAS REASON TO BELIEVE THAT INFORMATION IS INACCURATE. I sent information to XXXX explaining the errors I found on my credit report. I requested an investigation take place with XXXX. According to the Privacy Act of 1974 the term " record '' means any item, collection, or grouping of information about an individual that is maintained by an agency, including but not limited to his EDUCATION, FINANCIAL TRANSACTIONS, MEDICAL HISTORY, AND CRIMINAL OR EMPLOYMENT HISTORY AND THAT CONTAINS HIS NAME, OR IDENTIFYING NUMBER, SYMBOL, OR OTHER INDENTIFYING PARTICULAR ASSIGNED TO THE INDIVIDUAL. Section B talks about Conditions of Disclosure which again I THE CONSUMER MUST GIVE WRITTEN CONSENT. The non-response and failure to correct these inaccuracies have caused significant emotional and financial harm, affecting my ability to obtain credit and secure favorable interest rates. 

Proof of my complaints below : Please find the reports below that I sent to the credit reporting agencies to correct the problem. 

XXXX : Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX Confirmation number : XXXX, Submitted XX/XX/XXXX, XXXX Submitted XX/XX/XXXX, XXXX Submitted XX/XX/XXXX XXXX XXXX Report Created On : XXXX Identification Number : XXXX I am giving you 4 days per FCRA 605B to correct these issues or I will be forced to go a step further and sue for damages.