Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX SSN : XXXX | XXXX : XX/XX/XXXX ( XXXX ) XXXX | XXXX DATE : XX/XX/XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED TO : Chief Legal Officer, XXXX  XXXX Chief Legal Officer, XXXX XXXX XXXXCapital One, N.A. 
Chief Legal Officer, XXXX  XXXX XXXX XXXX Chief Legal Officer, XXXX XXXX XXXX XXXX XXXX 
Chief Legal XXXX, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau, Office of Enforcement Federal Trade Commission, Consumer Response Center Office of the XXXX  Attorney General RE : FORMAL DEMAND FOR IMMEDIATE CREDIT RESTORATION & FINANCIAL RESTITUTION | WILLFUL FCRA VIOLATIONS & DEFAMATION ATTN : LEGAL & COMPLIANCE DEPARTMENTS NOTICE : This constitutes formal notice of willful non-compliance with FCRA 1681e ( b ) and defamation per se. You have XXXX  days to comply. 

Dear Sir/Madam, This letter serves as final notice regarding XXXX  's and XXXX 's systematic destruction of my financial life through intentional, fraudulent credit reporting practices that continue despite clear evidence of their illegality. 

I. TRANSUNION 'S CRIMINAL CONTEMPT FOR FEDERAL LAW TransUnion boldly demonstrates its position above federal law by : XXXX. Knowingly Reporting XXXX Closed Accounts with Fabricated Debts Violating XXXX XXXX XXXX ( prohibiting payment status reporting on closed accounts ) Violating FCRA 1681e ( b ) ( willful failure to maintain reasonable procedures ) Violating FCRA 1681i ( failure to conduct reasonable reinvestigations ) XXXX. Maintaining Obviously Fraudulent Data Reporting " XXXX late payments '' across accounts closed for years Continuing collection reporting on accounts without legal standing Ignoring certified proof of rental history spanning XXXX  years XXXX. XXXX 'S ADMITTED FRAUD & HARASSMENT CAMPAIGN Discover continues its dedicated campaign to destroy my financial life by : XXXX. Harassing me for debts on accounts closed in XXXX XXXX. Reporting impossible " late payments '' throughout XXXX on closed accounts XXXX. Ignoring their own account closure date ( XX/XX/XXXX ) XXXX. Violating FDCPA 1692g ( b ) through continued collection without validation III. DEMAND FOR IMMEDIATE FINANCIAL RESTITUTION Given the years of intentional financial destruction, I demand the following within XXXX  days : A. FINANCIAL COMPENSATION FOR DAMAGES : XXXX. Wire transfer of {>= $1,000,000} to account : Routing : XXXX | Account : XXXX Compensation for : Lost housing opportunities Denied employment opportunities Emotional distress Defamation per se Punitive damages for willful non-compliance OR B. COMPLETE CREDIT RESTORATION : XXXX. Permanent deletion of ALL accounts except : XXXX XXXX ( {$0.00} balance, perfect payment history ) SIREN WSFS U ( {$0.00} balance, perfect payment history ) XXXX XXXX  XXXX XXXX Rental ( XXXX on-time payments ) XXXX. Immediate credit score correction to XXXX across all bureaus XXXX. 100 % on-time payment history reporting for all remaining accounts XXXX. XXXX years credit history reflecting actual rental payment history IV. EVIDENCE OF WILLFUL NON-COMPLIANCE Enclosed documentation shows : TransUnion 's maintenance of XXXX fraudulent closed accounts Discover 's admission of XXXX closure with continued XXXX reporting Proof of XXXX consecutive on-time rental payments ignored by all bureaus Certified records of previous disputes and violations V. CONSEQUENCES OF NON-COMPLIANCE Failure to comply by XX/XX/XXXX will result in : XXXX. Immediate filing of lawsuits against TransUnion and XXXX for : Willful FCRA violations ( {$1000.00} per violation ) Defamation per se Intentional infliction of emotional distress XXXX  DTPA violations XXXX. Criminal complaints filed with : Federal Trade Commission Texas Attorney General Consumer Financial Protection Bureau XXXX. Seeking maximum statutory and punitive damages through federal court The evidence of your criminal disregard for federal law is overwhelming. This is your final opportunity to avoid catastrophic legal consequences. 

Respectfully, XXXX XXXX ATTACHMENTS : XXXX. XXXX  's fraudulent account reporting XXXX. XXXX 's account closure admission XXXX. Rental payment history documentation XXXX. Certified dispute records XXXX. Evidence of willful non-compliance

Company response to consumer: Closed with explanation