Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXX, Iowa XXXX XXXX : Dispute of inaccurate information on my credit report Dear Sir/Madam, I am writing to dispute inaccuracies on my credit report, specifically regarding the following accounts listed on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that you investigate the information in question. 

As per 15 U.S.C. 1681e ( b ), it is your duty to maintain and report accurate information.

The information in question does not appear to meet the standard accuracy required by law. In addition, under 15 U.S.C. 1681i ( a ) I am entitled to a thorough investigation into these inaccuracies and the removal of any incorrect entries on my report. 

The specific inaccuracies are as follows : 1. Capital One Acct # XXXX I have disputed this account a couple of times and it is still showing in my credit report. I do not recall having this account and if this account was verified, I need you to show me the procedure you took to verify. Show me the business name, address and any information that is connected to the investigation that took place and if this is not provided to me in writing within the allotted time, by law this account should be removed. 
*****This account was previously removed from my credit report. 
*****My information was exposed in the XXXX XXXX XXXX and XXXX XXXX XXXX breaches. 

2. Capital One Acct # XXXX I have disputed this account a couple of times and it is still showing in my credit report. I do not recall having this account and if this account is verified, I need you to show me the procedure you took to verify. Show me the business name, address and any information that is connected to the investigation that took place and if this is not provided to me in writing within the allotted time, by law this account should be removed. 
*****This account was previously removed from my credit report. 
*****My information was exposed in the XXXX XXXX XXXX and XXXX XXXX XXXX breaches. 

XXXX XXXX  XXXX Acct # Unknown ( my information is below ) This account is being reported as charged off and is affecting my score negatively. The report of this account is incorrect, as I still see a balance after it was charged off. Also, the status of this account is incorrect and should be removed from my credit report due to several violations. 
*****This account was previously removed from my credit report XXXX XXXX  XXXX Acct # Unknown ( my information is below ) This account is being reported as charged off and is affecting my score negatively. The report of this account is incorrect, as I still see a balance after it was charged off. Also, the status of this account is incorrect and should be removed from my credit report due to several violations. 

XXXX. XXXX XXXX Acct # XXXX Contract Callers ( XXXX ) XXXX a debt collections agency, refused to verify/ validate debt or produce documents of the debt and is reporting negatively on my credit report. No debt validation letter was sent to me. Also this acct was charged off and showing a balance on my credit report. These are violations and should be removed from my credit report. 


My information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SSN : XXXX Address last 2 years : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Please XXXX a thorough investigation into these accounts and provide me with the results of your investigation. As required by law, I request that any inaccurate information be removed from my credit file. 

Additionally, I request that you send me a copy of the updated credit report once the investigation has been completed and any necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and inform me of the steps you will take to address the inaccuracies. 

Sincerely,

Company response to consumer: Closed with non-monetary relief