Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXXXXXX XXXX. XXXX XXXX, XXXX, PA XXXX Capital One Bank ( XXXX ), XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX Capital Bank XXXX. XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, WA XXXX RE : FORMAL PRE-LITIGATION DEMAND FOR DELETION OF INACCURATE INFORMATION FEDERAL VIOLATIONS UNDER FCRA, FDCPA, GLBA, UCC, METRO 2 To Whom It May Concern : This letter serves as a formal legal demand and pre-litigation notice regarding inaccurate, unverified, and unlawfully reported information on my consumer credit profile. You are in violation of multiple federal statutes, including : The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) The Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) The Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) Metro 2 Reporting Standards Uniform Commercial Code UCC Article 3 I have already filed complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). These are included as Exhibit A and Exhibit B. You have 15 calendar days to correct all violations.

SECTION I INACCURATE PERSONAL INFORMATION REPORTING You are reporting false name variations, unauthorized addresses, incorrect phone numbers, and employers I never worked for.

Violations : FCRA ( 15 U.S.C. 1681e ( b ) ) Requires maximum possible accuracy in consumer data. FCRA ( 15 U.S.C. 1681g ) Requires source disclosure. GLBA ( 15 U.S.C. 6801 ) Protects against misuse of private consumer data. DEMAND : Remove all false personal identifiers immediately or face legal consequences. SECTION II DISPUTED ACCOUNTS IN VIOLATION OF FEDERAL LAW
Capital One Bank ( USA ), N.A. Charged-Off Account You are reporting a balance on a charged-off account.

Violations : FCRA ( 15 U.S.C. 1681s-2 ( a ) ) Metro 2 ( Code 93 ) Must show {$0.00} and transferred GLBA ( 15 U.S.C. 6801 ) Self Financial / Atlantic Capital Bank Paid/Closed Account Reporting Late You are reporting late payments on a closed account that is fully satisfied.

Violations : FCRA ( 15 U.S.C. 1681c ( a ) ( 5 ) ) FCRA ( 15 U.S.C. 1681e ( b ) ) FCRA ( 15 U.S.C. 1681i ) Columbia Debt Recovery ( XXXX XXXXXXXX XXXX ) Invalid Collection Reporting You are reporting a balance with no contract, no validation, and no assignment documentation. 
Violations : FDCPA ( 15 U.S.C. 1692g ) Must validate debt FDCPA ( 15 U.S.C. 1692e ( 8 ) ) Deceptive reporting FCRA ( 15 U.S.C. 1681s-2 ) UCC 3-501 & 3-603 Requires validation before collection Metro 2 Compliance Failures SECTION III LEGAL DISTINCTION : ACCOUNT VS. DEBT Once a debt is sold, transferred, or charged off, it is no longer an account. It becomes a third-party debt.

Violations : Metro 2 Code 93 Must report {$0.00} balance and show transferred FCRA ( 15 U.S.C. 1681s-2 ) No misrepresentation of status FDCPA ( 15 U.S.C. 1692e ( 8 ) ) Misrepresenting debt is illegal SECTION IV UNAUTHORIZED HARD INQUIRIES You are reporting multiple hard inquiries that were not authorized. I never applied for or approved these.

Violations : FCRA ( 15 U.S.C. 1681b ( f ) ) No permissible purpose FCRA ( 15 U.S.C. 1681n & 1681o ) Up to {$1000.00} per violation, actual and punitive damages SECTION V LEGAL DEMAND FOR DELETION & CORRECTION You now have 15 calendar days to : Delete all false names, addresses, and employment info Remove or correct all unlawful account and debt entries Delete all unauthorized hard inquiries Correct misreporting of sold or charged-off accounts This letter is supported by FTC and CFPB filings ( Exhibit A & B ), which will be entered into evidence. If you fail to comply, I will pursue full legal action under : 15 U.S.C. 1681n ( Willful violations ) 15 U.S.C. 1681o ( Negligent violations ) 15 U.S.C. 1692k ( Debt collection violations ) I will also seek injunctive relief, actual and punitive damages, and all attorneys fees.

THIS IS YOUR ONE AND ONLY NOTICE.

No further warnings will be sent prior to legal action. 

Respectfully, XXXX XXXX XXXX & Plaintiff-in-Waiting

Company response to consumer: Closed with explanation