Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Complaint:
Originally I tried to dispute with the credit bureaus and Capital One late payments on my Capital One accounts for XX/XX/XXXX due to the fact my dad died in Texas and I live in Kentucky. Also, my dads truck was missing, and it took me three months to locate it. I want to be very clear my personal information was never in that truck and my identity was NEVER compromised. I also want to point out that my daughter also died, so her and my dad 's deaths were less than a year apart from each other. The late payments in XX/XX/XXXX are preventing me from getting a HELOC, which I need to consolidate my own small debt and prevent my dad 's land in Texas from being foreclosed on. 
I just wanted to file a dispute to have Capital One remove the 30 day late payments from that time period. I feel my circumstances were extenuating. I was daily having to speak to multiple police depts, ambulatory services, hospitals, Crimes Against Persons, etc. There was also an investigation into my dad 's death by the coroner who determined it was an accidentally fall and not foul play. Anyways. XX/XX/XXXX was very stressful for me and I've had an otherwise great paymeny history. I've been a customer of Capital One since XXXX and have never disputed anything, asked for an exception, filed a dispute or anything. My accounts have been current for over a year. 
So I sent Capital One, XXXX, XXXX, and XXXX all my supporting evidence of my dispute and a XXXX page letter detailing my dispute and asking for a little grace just to have those late payments removed. I don't feel my request was unreasonable especially since people are still milking the XXXX cow and having things taken off their credit for that. I think my circumstances are a little bit worse than XXXX. 
What happened instead : My dispute has been ignored by all XXXX credit bureaus and Capital One. All 3 credit bureaus responded by putting a 7 year fraud alert on my account, when my information was never compromised. When I spoke to XXXX they admitted fault and removed the alert. XXXX and XXXX have ignored my communications, and I have not heard a response from Capital One as of yet. 
I would like you to investigate the issue and determine if what I originally disputed was reasonable under the Fair Credit Reporting Act, and if it is, communicate to Capital One and the credit bureaus the late payments from XXXX and XX/XX/XXXX should be removed. Further I would like you to counsel executives at each credit bureau when a fraud alert is appropriate. In my situation it was not. A parent 's stolen truck is not reason enough for an alert especially the only relevance it had was in regard to the dispute and my identity was never compromised. 
I can not communicate this to these people because I've made multiple calls and sent correspondence by mail. I did not attach documentation since XXXX, XXXX, XXXX, and Capital One all recieved my dispute letters, dads death certificate, obituary, my daughters obituary, and the stolen truck report supporting my extenuating circumstances.

Company response to consumer: Closed with non-monetary relief