Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Re : Demand for Chain of Assignment and Account-Level Documentation Under FCRA Account Number : XXXX XXXX XXXX Date of Last Payment : XX/XX/XXXX Reported Balance : {$17000.00} XXXX XXXX Dear Sir or Madam, I am writing to formally request the chain of assignment and complete account-level documentation pertaining to the above-referenced account, which CAP ONE AUTO XXXX XXXX XXXX is currently reporting on my credit file with a balance of {$17000.00} and a last payment date of XX/XX/XXXX. 

This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i ( a ), which grant me the right to receive all information in my consumer file, including the sources of the information reported. Under 15 U.S.C. 1681s-2 ( b ), data furnishers also have a legal obligation to investigate disputed information and correct or delete any data that can not be verified with proper evidence.

To date, I have not received adequate documentation establishing that CAP ONE AUTO has the legal authority to report or collect on this alleged debt. Accordingly, I am requesting the following : A complete and unbroken chain of assignment, including all bills of sale or transfer agreements from the original creditor to any subsequent assignee and to CAP ONE AUTO ( if applicable ) ; A copy of the original agreement or contract bearing my signature ; A comprehensive payment history, including all fees, charges, and interest ; Copies of any notices of assignment or transfer that were sent to me as required by law.

Illegal Reporting Without Originating Creditor Relationship or Contract It is a violation of federal consumer protection laws to report a debt on a credit report if the debt did not originate with the reporting entity or if the consumer has no contractual relationship with the reporting party.

The FCRA and the Fair Debt Collection Practices Act ( FDCPA ) both prohibit the furnishing of information that is false, misleading, or unverifiable. As held in FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, collection agencies and furnishers who report or attempt to collect debts without documentation or legal authority are engaging in deceptive practices under 15 U.S.C. 1692e.

If CAP ONE AUTO is reporting this tradeline but can not produce a valid contract or proof of assignment from the original creditor, such reporting is unlawful and must be ceased immediately. Even if the debt is valid, any information that is incomplete or unverifiable must not remain on a consumers file.

Demand for Documentation Please provide the following within 30 days of receiving this letter : Verified and complete chain of assignment ; Copy of the original loan or credit agreement bearing my signature ; Full transaction history and breakdown of all charges ; Documentation of any assignment notices or correspondence relevant to this account ; Any materials supporting the accuracy and legality of reporting the {$17000.00} balance.

Preservation of Evidence You are hereby instructed to preserve all records, internal notes, communications, and data relating to this account. Failure to preserve such information may result in legal consequences for spoliation of evidence.

Should you fail to provide this documentation or continue reporting unverifiable information, I am prepared to pursue legal action under the FCRA, FDCPA, and relevant state laws. Penalties may include actual damages, statutory damages, punitive damages, and attorneys fees under 15 U.S.C. 1681n, 1681o, and 1692k. 

All correspondence should be sent to the address above. 

Govern yourselves accordingly.

Company response to consumer: Closed with explanation