Consumer complaint received 2025-02-27 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: MS

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Date : XX/XX/XXXX Complainant Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone Number : XXXX Subject : Failure to Remove Fraudulent Accounts Under Section 605C of the FCRA To Whom It May Concern, I am filing a formal complaint against XXXX for failing to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ) by refusing to remove fraudulent accounts from my credit report after I provided trafficking documentation in accordance with federal law.

Details of the Complaint : I am a documented victim of trafficking, and under Section 605C of the FCRA, consumer reporting agencies must remove adverse information resulting from human trafficking upon receipt of proper documentation. I submitted my formal dispute and supporting documents to XXXX, yet the following fraudulent accounts remain on my credit report : Disputed Accounts : Capital One Bank USA NA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation of Federal Law : Section 605C of the FCRA states that no adverse information resulting from XXXX  may be included in a consumer report if a victim provides documentation. 
Billing Code : XXXX, Bureau of Consumer Financial Protection , 12 CFR Part 1022 [ Docket No. CFPB2022-0023, RIN XXXX ] explicitly states that consumer reporting agencies must remove such information upon request. 
XXXX refusal to remove these accounts violates federal consumer protection laws and has caused me undue financial and emotional distress. 
Relief Requested : I request the CFPB to : Order XXXX to immediately remove all fraudulent accounts from my credit report as required by law. 
Investigate XXXX for failing to comply with federal regulations and take enforcement action if necessary. 
Ensure XXXX ceases reporting these fraudulent accounts to any credit bureaus moving forward. 
Provide written confirmation of the removal of these accounts in accordance with Section 605C of the FCRA. 
Experians continued non-compliance is unlawful and harmful. If this matter is not resolved promptly, I will consider additional legal action and further escalation to the Federal Trade Commission ( FTC ), my states Attorney Generals Office, and legal counsel. 

I appreciate your attention to this urgent matter and look forward to a resolution that upholds my rights under federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation