Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Former Name ( s ) : Employment Information : Consumer File Notices : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Address ( es ) : REQUESTING TO BE REMOVED AND PHONE NUMBERS Former Phone Number ( s ) : XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXXXXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX Remove capital one bank usa na_closed account XXXX XXXX  XXXX XXXXXXXX XXXX XXXXclosed XXXX XXXX XXXX XXXXclosed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCLOSED XXXX XXXX XXXX _CLOSED XXXX XXXX XXXX _CLOSED XXXX XXXX XXXX _CLOSED XXXX XXXX _CLOSED XXXX  XXXX XXXX XXXX XXXX CAPITAL ONE BANK USA NA XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as unauthorized and identity-theft related : CAPITAL ONE BANK USA NA XX/XX/XXXX CAPITAL ONE BANK USA NA XX/XX/XXXX Under FCRA 604 ( a ) , inquiries may only be reported with a valid permissible purpose.

Under FCRA 609 ( a ) ( 1 ), I demand documented proof of authorization, including a signed application or written consent. 

If such documentation can not be produced, these inquiries must be deleted immediately. 

-- - NEGATIVE ACCOUNTS/ CHARGE-OFFS/ COLLECTIONS ( RESULTING FROM IDENTITY THEFT ) I dispute all charge-offs, collections, and negative accounts reporting adverse information, including but not limited to : XXXX XXXX XXXX ( Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX ( Collection ) XXXX XXXX XXXX XXXX ( Collection ) These accounts are inaccurate and unlawful due to identity theft and/or unauthorized use. I did not enter into any valid contract or agreement for these accounts. 

Under FCRA 611 ( a ) and 623 ( b ), you must conduct a reasonable reinvestigation and require the furnishers to provide competent evidence that the information is accurate, complete, and legally reportable. 

If these accounts can not be fully verified with proper documentation, they must be deleted pursuant to FCRA 611 ( a ) ( 5 ) and blocked under FCRA 605B. 

DEMAND FOR COMPLIANCE Please complete your reinvestigation within 30 days as required by law and provide written confirmation of the results. 

If any disputed item is verified, I formally request the method of verification pursuant to FCRA 611 ( a ) ( 7 ), including : - The name of the furnisher - How the information was verified - What documentation was reviewed Failure to comply may constitute willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief