Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I disputed the Capital One account with a balance of {$670.00} with XXXX, XXXX, and XXXX in XX/XX/XXXX. Instead of properly investigating, the credit bureaus illegally updated the account, verified it as accurate without providing a Method of Verification ( MOV ), and failed to remove the inaccurate and unverifiable information. 

Violations & Discrepancies Identified : Inconsistent & Contradictory Payment History Across All Bureaus : XXXX : Reports " No history available, '' XXXX XXXX XX/XX/XXXX days late, 0 months reviewed, and a remark stating Dispute resolved reported by grantor. 
XXXX : Reports 0 % of payments made on time, no high balance listed, 0 months reviewed, and XX/XX/XXXX times XX/XX/XXXX days late. 
XXXX : Reports 15 % of payments made on time, no high balance listed, 79 months reviewed, remarks stating Unpaid balance reported as a loss by credit grantor, account previously in dispute now resolved reported by subscriber and XXXX times XX/XX/XXXX days late. 
( Violation : FCRA 607 ( b ) Duty to Maintain Maximum Possible Accuracy ) Conflicting High Balance Reporting : XXXX lists a high balance of {$670.00}. 
XXXX XXXX XXXX do not list any high balance. 
( Violation : FCRA 623 ( a ) ( 1 ) Duty to Report Accurate Information ) Failure to Provide Method of Verification ( MOV ) : The credit bureaus failed to provide a valid MOV showing how they verified this account. No actual documentation from Capital One proving the accuracy of this account was provided. 
( Violation : FCRA 611 ( a ) ( 7 ) Right to Method of Verification ) Failure to Respond in the 30-Day Timeframe : All three bureaus failed to complete their investigation within the required 30-day period. 
( Violation : FCRA 611 ( a ) Failure to Investigate Properly ) Contradictory Remarks & Statuses Across Bureaus : XXXX : " Dispute resolved reported by grantor. '' XXXX : " Unpaid balance reported as a loss by credit grantor. Account previously in dispute now resolved reported by subscriber. '' ( Violation : FCRA 609 ( a ) ( 1 ) Consumers Right to Information ) Additional Consumer Protections Requested Since Capital One is the original creditor, they are required under FCRA Section 623 to ensure the information they furnish is accurate, complete, and up to date. 

Capital One has failed to meet this standard by : Providing inconsistent reporting across the credit bureaus. 
Failing to verify the accuracy of this account before furnishing data to the credit bureaus. 
Allowing inaccurate and unverifiable information to remain on my credit report. 
Additionally, since the credit bureaus verified this account based on Capital One 's furnishing, I demand that Capital One immediately provide documented proof of the following : A complete account history proving the accuracy of all reported balances, payment history, and late payments across all bureaus. 
A signed contract or agreement proving I am legally responsible for this debt as reported. 
A direct response detailing their method of verification for confirming this account as accurate.

Company response to consumer: Closed with explanation