Consumer complaint received 2024-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to formally dispute certain information in my credit report pursuant to the Fair Credit Reporting Act, specifically 15 U.S.C. 1681. I have reviewed my credit report and identified inaccuracies that I believe violate my rights under the XXXX. I do not have an contract with XXXX XXXX XXXX they have XXXX collections they are reporting unverified accounts to my credit report.i demand they be removed from my credit report.request debt validation letter from them. If you fail to honor my request and discriminate against me for exercise my rights that will be a clear violation under the Law 15 U.S. Code 1681a-b 15 U.S. Code 6802 Please conduct your investigation within the XXXX timeframe mandated by the FCRA. I expect to receive written confirmation of your findings, along with an updated copy of my credit report reflecting any changes made. 

Thank you for your attention to this matter. I look forward to your prompt response. 

XXXX ( XXXX XXXX XXXX ) i demand this be removed for my credit report. 

XXXX XX/XX/XXXXXXXX XXXX This law applies to new and used cars purchased or leased from a XXXXXX/XX/XXXX, retail auction, or manufacturer. It requires dealers to provide a written lemon-law warranty that specifies the terms of the warranty. The warranty must cover certain parts, such as the engine, transmission XXXX XXXX train, brakes, steering, radiator, alternator, generator, starter, or ignition. The warranty must also state that the dealer will repair any covered part for free while the warranty is in effect. If the dealer can't fix the car after a certain number of attempts, they must refund or replace it. The law also has a statute of limitations, which varies depending on the mileage of the car. Consumers can also submit their disputes to the XXXX XX/XX/XXXX arbitration program. 

This XX/XX/XXXX has been total loss since XX/XX/year> Section XXXX ( a ) states, " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 

XXXX ( XXXX XXXX XXXX ) i demand this be removed for my credit report XX/XX/XXXX Lemon Law, also known asXX/XX/XXXX, provides legal remedies for consumers who buy or lease new cars that don't perform as promised by the warranty. The law applies to vehicles that meet the following conditions : * Purchased, leased, or transferred within XXXX miles or XXXX years from the date of original delivery, whichever comes first XXXX York XXXX XXXX XXXX The total loss of a motor vehicle due to theft or accidental occurrence constitutes a fortuitous event as defined in XX/XX/XXXX ). 

A federal court has granted final approval of a class action lawsuit known as XXXX re : XXXX and XXXX XXXX XXXX, XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX et al.XX/XX/XXXX ) allege that XXXX and certain XX/XX/XXXXXXXX XXXX, XXXX and certain XX/XX/XXXXXXXX, and XXXX and certain XX/XX/XXXXXXXX XXXX vehicles suffer from a defect that can cause engine XXXX, stalling, engine failure, and engine fire, that engine XXXX or stalling can be dangerous if experienced, and that some owners and lessees have been improperly denied repairs under the vehicles warranty Capital one account number auto loan XXXX

Company response to consumer: Closed with explanation