Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To : XXXX  XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX RE : Formal Notice of FCRA Violations, Demand for Immediate Deletion of Inaccurate Information, and Notice of Substantial Harm Dear Sir or Madam, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., including but not limited to XXXX XXXX. XXXX, regarding the improper reporting of inaccurate and unverifiable information on my consumer credit file, and your failure to comply with statutory responsibilities to ensure accurate reporting, proper identity theft protocols, timely investigations, and validation of alleged debts XXXX. XXXX XXXX & Identity Theft Violation of XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, once a consumer reports identity theft and provides a police report and appropriate documentation, the consumer reporting agency is legally required to block the reporting of that fraudulent information within XXXX ( XXXX ) business days. The failure to do so constitutes a direct violation of this provision. I have notified you of accounts resulting from identity theft, and you have either failed to block them or have allowed them to reappear on my report. 

XXXX. Inaccurate and Unverified Information Violation of XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, you are required to conduct a reasonable reinvestigation of disputed information and delete any item that can not be verified. I have submitted disputes concerning specific items that are both inaccurate and unsupported by proper verification. Despite this, you have continued reporting these accounts without furnishing any documentation verifying the legitimacy or origin of the alleged debts. 

Moreover, you have not provided me with the results of your reinvestigation within the statutorily required XXXX period, a clear violation of the law. 

XXXX. Failure to Validate Debt Violation of XXXX XXXX. XXXX ( Fair Debt Collection Practices Act ) In addition to FCRA violations, the collection agencies reporting these accounts have failed to provide timely and proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX. As data furnishers to your bureau, your continued acceptance of unverifiable data implicates your responsibility under XXXX XXXX. XXXX ( b ) to investigate and correct inaccuracies when notified of a dispute. 

XXXX. Damages and Substantial Harm Your continued reporting of incorrect and fraudulent information has caused me substantial financial loss, including : Denial of credit and housing Increased interest rates Emotional distress and reputational harm Missed employment opportunities XXXX. Demand for XXXX XXXX I am formally requesting the immediate removal of all inaccurate and fraudulent accounts, in accordance with : XXXX U.S.C. XXXX Identity theft blocking XXXX XXXX. XXXX Inaccurate information and reinvestigation XXXX XXXX. XXXX Responsibilities of furnishers of information XXXX XXXX. XXXX Debt validation obligations under the FDCPA Failure to comply with these demands XXXX result in formal complaints being filed with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and initiation of civil legal action to recover damages, as provided under XXXX U.S.C. XXXX and XXXX for willful and negligent noncompliance. 

I expect written confirmation within XXXX  days of receipt of this letter that the fraudulent and unverifiable items have been permanently removed and will no longer be included in any reports furnished to third parties. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation