Consumer complaint received 2024-07-08 00:00:00
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
State: NH

Complaint narrative:
I am writing to formally address the inaccurate information that your company has reported to consumer reporting agencies regarding my credit profile. This erroneous reporting has had significant adverse effects on my reputation, personal standing, and ability to secure credit for personal and housing needs. 

Specifically, you have inaccurately reported the following account details : Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Under 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishers are required to provide accurate information. The inaccurate reporting by your agency not only violates this legal obligation but also has financial implications, as IRS guidelines confirm that certain information should not be reported on consumer reports. 

I hereby demand that Capital One immediately cease reporting this inaccurate information. Your responsibilities under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) expressly prohibit the furnishing of information that is known or should reasonably be known to be inaccurate.

Furthermore, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), once notified of errors in reporting, continued furnishing of inaccurate information is prohibited. I have previously notified you of the inaccuracies in the information being reported and received confirmation of these errors. 

The inaccurate and incomplete reporting by your agency is causing substantial personal, emotional, and financial harm to me. Therefore, I request the immediate deletion of the above-listed account from my consumer reports and ask that you provide me with an updated copy of my credit report within 10 calendar days of your receipt of this letter. 

Failure to comply with this request constitutes a clear violation of federal law and has inflicted severe harm on my family and me. This letter serves as a final opportunity for Capital One to rectify this issue by promptly deleting the erroneous account from my consumer reports. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and expect full compliance with its provisions. Should you fail to delete the inaccurate information, I request that you provide the name and address of the person ( XXXX ) whom you contacted to verify this disputed information. 

Furthermore, the entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. I expect a detailed response outlining the findings of this investigation, including the original written instructions from me ( The consumer ) with my wet signature. 

Moreover, I am not aware of any legitimate purpose for reporting these late payments, and I affirm that I did not authorize the reporting of such information to your agency by Capital One. Therefore, in accordance with Section 604 ( a ) ( 3 ) of the FCRA, I demand a thorough investigation into these disputed late payments, along with written confirmation of the investigation 's completion and details of any actions taken to rectify this matter. 

Additionally, I request documentation, including the periodic statement and tracking number, to prove that each periodic statement was delivered to me at least 21 days before the payment due date, as mandated by 15 U.S. Code 1666b. 

I anticipate your immediate attention to this dispute and the initiation of necessary actions to rectify the unauthorized reporting. I request that you promptly delete the above-listed account and send me an updated copy of my credit report within 30 days of your request that you fully comply with the law in my request. Should you fail to make the requested deletion, I request that you provide me with the name and address of the person ( XXXX ) that you contacted to allegedly verify the information that I have rightfully disputed. 

Failure to comply with the legal requirements outlined in this letter will necessitate pursuing all available legal remedies to address this violation of my rights under the FCRA. I trust that your agency will approach this matter with the urgency and seriousness it deserves. 

Please acknowledge receipt of this letter in writing and confirm the actions taken to resolve this matter. 

Enclosed with this letter is a copy of my identification. 

Without Recourse UCC 1-308

Company response to consumer: Closed with explanation