Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that are incorrect : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized CAP ONE NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of 15 usc 1681e ( b ) faling to provide maximum possible accuracy. This must be deleted XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of section 604 15 USC code 1681B. Please remove from my credit report CAPITAL ONE BANK USA Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of section 604 15 USC code 1681B. Please remove from my credit report CAPITAL ONE BANK USA Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 12. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. CAPITAL ONE BANK USA Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account CAPITAL ONE BANK USA Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and removed from my credit report. It is my understanding that you will verify these items with the creditor responsible for their inclusion. Any information that the creditor fails to verify should be promptly deleted. I am aware that as stated in 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days from the receipt of this letter. 

Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Furthermore, I kindly request that you notify any recipients of my credit report in the past XXXX months about the necessary corrections. 

Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with explanation