Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Going over my credit reports, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. See. Account Above Please supply the information below because I believe that your firm handling of my payment and account information has been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( 15 U.S.C. chapter. 41, subchapter. I 1601 et seq ). 
1. Provide verification and documentation that there is a valid basis for your firm 's charge-off of the alleged debt. Please provide a copy of the written agreement ( bearing my signature ) that created the requirement to pay and stipulates your terms for a delinquent account ; 2. Provide a copy of the last billing statement sent at the time of the transfer or allocation of the goods, services, or money associated with the alleged debt ; 3 ) State the maximum delinquency and when it was charged-off ; 4 ) Provide according to your records when this alleged debt became due and when it became delinquent. Please provide the five personal identifiers associated with this account including full legal name, address of record, date of birth, zip code and Social Security Number ( not truncated ) ; 5 ) Identify the date of the last payment made on this account and the amount of that payment ; 6 ) Provide how you made a determination that this alleged debt is within the statute of limitations applicable to it. Provide when you think the statute of limitations expires for this debt, and how you determined that ; 7 ) Describe in detail your firm 's charge-off procedures as they apply under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Provide an itemization showing the dates and amounts added to each billing statements ) ( an additional interest, fees, or charges ). In addition, explain how the added interest, fees, or other charges are expressly authorized by the consumer agreement creating the debt or are permitted by law ; 1. Provide an itemization showing the dates and amount of each reduction or payment that was accrued in your firm 's charge-off procedure ; 2. Provide an updated Terms of Service Agreement for this account including specific amended sections and why those sections were changed ; 3. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to XXXX compliance between your firm and your contracted reporting entity ( Credit Reporting Agency ) XXXX Include a comprehensive explanation of the process and description of who handles the data entry, how that information is transmitted and whether the data entry function is outsourced. If your firm outsources your XXXX data-entry, provide the name, contact address, and location of that firm ; 12 ) Based upon information provided by at least one credit reporting agency, the probability of an end trace error in your report concerning the delinquency on this account is very high, therefore, please provide the LAST 4 Complete XXXX updates submitted to all three Credit Reporting Agencies ( XXXX, XXXX XXXX XXXX ) on this account ( in METRO-2 format including COMPLETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

If you fail to provide all parts and requests of the information or documentation I have asked for, please stipulate why to each request, including the authorized party that is refusing to comply or make such information available. I will understand that you are unable to confirm or document your claims but the reason or motive must be made clear including the responsible party under the tort law precedents of XXXX XXXX. 
If your firm can't produce all of the above noted documentation in the allotted time frame, I will accept a written notification that you are suspending this account status. Said notification must include a formal stipulation withdrawing your claim to this consumer account and your firm must note that you will not continue reporting the alleged debt or sell this debt. The written notification must also be provided to all the major Credit Reporting Agencies XXXX XXXX, XXXX and XXXX ). If you provide such written notification, I will agree not to pursue immediate regulatory action and drop any further legal actions. 
I require a response, on point, in writing ( a statement under penalty of perjury included ), hand signed, and in a timely manner. If I get a pointless letter from you saying that account has already been " verified '', or your firm can not or chooses not to respond to this VALIDATION demand and its conditions, then there will be no more opportunity for negotiation, I will NOT hesitate to FILE suit and SEEK my own payday against your firm for malicious and inaccurate activities. 
I sent this notarized letter via certified mail to confirm my identity, and I am kindly asking you to take care of this immediately, so as to avoid any violation of my rights.

Company response to consumer: Closed with explanation