Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT To Whom It May Concern, This letter is to request to validate debt shown on my credit report. I, XXXX XXXX, am requesting verification of the debt. Be advised this is not a refusal to pay, but a notice sent in accordance with 15 U.S. Code 1692g sec 809. I respectfully request your office to provide me with competent evidence that I have any legal obligation to the debt. Please provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for validation. * FCRA 1681s-2 ( b ). * Signed contract. * Full payment and charge-off history. * 1099-C copy or confirmation. * Cancellation date and IRS reason code. * Method of verification and supporting documents. * Proof of Metro 2 compliance. * Audit trail of tradeline updates. * Proof of authority to report. * Proof account was not re-aged Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Your license to collect debt in the state of Maryland Address on file for alleged debtor Amount of alleged debt. * IRS notices ( if any ) Date this alleged debt became payable. Date of original charge off or delinquency Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed. Show me that you are licensed to collect debt in state of Maryland ; and * Furnishers name and license Please provide the name and address of the bonding agent for in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. Please allow 30 days for processing after I receive this information back. If your office is providing the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely remove from my credit file. Additionally, I request that you cease and desist any future telephone communication for I will consider it to be an harassment in violation of 15 U.S. code 1692d.

Company response to consumer: Closed with explanation