Consumer complaint received 2025-09-04 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: SD

Complaint narrative:
National data leak Consumer Finance Dispute & Data Security ComplaintConsumer Finance Dispute & Data Security Complaint Re : Professional Dispute to Correct Inaccurate Credit Reporting and Breach of Consumer Protection To Whom it May Concern, I am writing to formally dispute inaccurate information appearing on my consumer credit file and to raise a serious complaint regarding the improper handling of my financial and personal data. 1. Statutory Basis for Dispute Pursuant to the Fair Credit Billing Act and 15 U.S.C. 5 1683 ( c ) ( 2 ), I am exercising my legal right as a consumer to dispute inaccurate and unauthorized charges, billing errors, and any related entries reported to the credit bureaus. 2. Nature of the Finance Dispute - The account ( s ) in question were improperly reported, and no valid contract or full disclosure was provided proving my obligation. - As the creditor of my own negotiable instruments, I dispute the alleged debt classification. - I request validation and proof of lawful assignment, authorization, and accounting in compliance with federal statutes. 3. National Data Loak / Breach of Security Additionally, 1 have reason to believe my personal information may have been exposed in a national data breach, contributing to fraudulent or inaccurate reporting. This represents a violation of consumer data protection obligations under FACTA and other federal safeguards. 4. Demand for Action I am requesting : 1. Immediate reinvestigation of the disputed account ( s ). 2. Removal of inaccurate or unverifiable information from my credit fio. 3. Written confirmation that the disputed data has been corrected or deleted. 4. Information regarding whether my personal data was subject to any known or reported breach connected to your institution. 5. Notice of Rights Pleaso be advised that failure to properly investigate and correct these inaccuracies constitutes willful noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ot seq. ) and related statutes, and I reserve the right to pursue further remedies with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General 's Office. I expect a full written response within 30 days as mandated by federal law. Respectfully, [ XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX ) XXXX Enclosures : ( Copy of ID, proof of residence, supporting documents, credit report with highlighted errors ) |Consumer Finance Dispute & Data Security Complaint Re : Professional Dispute to Correct Inaccurate Credit Reporting and Breach of Consumer Protection To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my consumer credit file and to raise a serious complaint regarding the improper handling of my financial and personal data. 1. Statutory Basis for Dispute Pursuant to the Fair Credit Billing Act and 15 U.S.C. 1683 ( c ) ( 2 ), I am exercising my legal right as a consumer to dispute inaccurate and unauthorized charges, billing errors, and any related entries reported to the credit bureaus. 2. Nature of the Finance Dispute - The account ( s ) in question were improperly reported, and no valid contract or full disclosure was provided proving my obligation. - As the creditor of my own negotiable instruments, I dispute the alleged debt classification, - I request validation and proof of lawful assignment, authorization, and accounting in compliance with federal statutes. 3. National Data Leak / Breach of Security Additionally, 1 have reason to believe my personal information may have been exposed in a national data breach, contributing to fraudulent or inaccurate reporting. This represents a violation of consumer data protection obligations under FACTA and other federal safeguards. 4. Demand for Action I am requesting : 1. Immediate reinvestigation of the disputed account ( s ). 2. Removal of inaccurate or unverifiable information from my credit file. 3. Written confirmation that the disputed data has been coffected or deleted, 4. Information regarding whether my personal data was subject to any known or reported breach connected to your institution. 5. Notice of Rights Please be advised that failure to property investigate and correct these inaccuracies constitutes willful noncompliance with the Fair Credit Reporting Act ( 15 U.S.C, 1681 et sea. ) and related statutes, and I reserve the right to pursue further remedies with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General 's Office, I expect a full written response within 20 days as mandated by federal law. Respectfully, [ XXXX XXXX XXXX ] ( XXXX XXXX ] ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX  ] Enclosures : [ Copy of ID, proof of residence, supporting documents, credit report with highlighted errors ]

Company response to consumer: Closed with explanation