Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
To Whom It May Concern, I am writing regarding one or more accounts that Capital One Bank ( USA ), N.A. ( also known as Capital One ) is reporting on my consumer credit file.

After reviewing my credit report, I dispute the accuracy, completeness, and validity of these accounts. I further assert that the account ( s ) referenced are the result of identity theft and/or fraud and were not opened or authorized by me. This letter constitutes a formal dispute and a request for validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, including 1681c-2, and all applicable state laws.

Please be advised that I do not acknowledge any obligation for the alleged debt.

Specifically, I request the following : 1. Competent evidence that I authorized the alleged account, including one of the following : A copy of a contract, application, or agreement bearing my original wet-ink signature, or Verifiable electronic evidence demonstrating authorization, including the IP address, timestamp, and
method of submission associated with the original application.

2. Documentation establishing that Capital One Bank ( USA ), N.A. has the legal right to collect and report this debt, including : Proof of ownership of the alleged account, and A complete chain of custody if the account was sold, transferred, or assigned.

3. Verification that all information being reported is accurate, complete, and verifiable, as required under the Fair Credit Reporting Act.

Identity Theft/ Fraud Notice Because this account is the result of identity theft and was not opened or authorized by me, I am exercising my rights under 15 U.S.C. 1681c-2, which requires furnishers and consumer reporting agencies to block and remove information resulting from identity theft upon receipt of a valid dispute and supporting documentation. I am in the process of compiling and/or submitting an Identity Theft Report and any required supporting documentation.

Pending your ability to produce competent evidence that I authorized this account, you are required to cease collection activity and remove this account from all consumer reporting agencies to which it has been furnished.

Improper Reporting of Charged-Off Account Additionally, the account is reported as charged off, yet it continues to be updated and reported on a monthly basis as if it were an active, ongoing obligation. Once an account has been charged off, it is no longer an active account. Reporting ongoing monthly activity on a charged-off account is inaccurate and misleading and may constitute unlawful re-aging, in violation of 15 U.S.C. 1681s-2.

Please provide documentation explaining how a charged-off account can be lawfully reported with ongoing monthly updates. If you are unable to do so, you must immediately correct or permanently delete this tradeline.

If you are unable to provide the documentation requested above, you are required under federal law to cease collection activity and permanently delete this account from all consumer reporting agencies. 

XXXX XXXX

Company response to consumer: Closed with explanation