Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Good Morning, I am writing to formally request the immediate removal of certain accounts from my credit report that were included in a prior bankruptcy and are being improperly reported. 



In XXXX, I notified XXXX that I did not authorize them to report any information to the credit bureaus and officially opted out of their services. Despite my direct disputes with all three major credit bureaus, the accounts in question continue to be verified by a third-party agency. I believe this verification is inaccurate, as the bankruptcy court itself does not report to credit bureaus. 



Furthermore, this situation appears to be a violation of Section 604 ( f ) of the Fair Credit Reporting Act ( FCRA ), which prohibits any person from obtaining or using a consumer report without a permissible purpose. Additionally, under the Privacy Act of 1974 ( Public Law 93-579 ), individuals are granted rights to protect personal data from unauthorized use. I did not authorize XXXXor any third partyto provide or verify information related to my bankruptcy or included accounts. 



Given these circumstances, I respectfully demand that all accounts related to the bankruptcy be permanently removed from my credit file. If not addressed promptly, I will be forced to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal counsel if necessary. 



Thank you for your immediate attention to this matter. Please confirm receipt of this request and provide a written response within 30 days as required under the FCRA. 



Sincerely, [ Your Full Name ] [ Your Address ] [ Your Date of Birth ] [ Last Four Digits of SSN ] Good Morning, I am writing to formally request the immediate removal of certain accounts from my credit report that were included in a prior bankruptcy and are being improperly reported. 



In XXXX, I notified XXXX that I did not authorize them to report any information to the credit bureaus and officially opted out of their services. Despite my direct disputes with all three major credit bureaus, the accounts in question continue to be verified by a third-party agency. I believe this verification is inaccurate, as the bankruptcy court itself does not report to credit bureaus. 



Furthermore, this situation appears to be a violation of Section 604 ( f ) of the Fair Credit Reporting Act ( FCRA ), which prohibits any person from obtaining or using a consumer report without a permissible purpose. Additionally, under the Privacy Act of 1974 ( Public Law 93-579 ), individuals are granted rights to protect personal data from unauthorized use. I did not authorize XXXX any third partyto provide or verify information related to my bankruptcy or included accounts. 



Given these circumstances, I respectfully demand that all accounts related to the bankruptcy be permanently removed from my credit file. If not addressed promptly, I will be forced to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal counsel if necessary. 



Thank you for your immediate attention to this matter. Please confirm receipt of this request and provide a written response within 30 days as required under the FCRA. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation