Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
letter received from company demanding I show burden of proof. Company is suing even though they violate usc codes Capital One Bank, N.A. 
Credit Bureau Resolutions XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Capital One Account Ending in XXXX | Case Number : XXXX To Whom It May Concern, I am in receipt of your letter dated XX/XX/year>, regarding my dispute of your inaccurate reporting to the credit bureaus. Your letter improperly demands that I supply proof of your reporting errors before you will investigate. This requirement violates federal law for the following reasons : 1. Fair Credit Reporting Act ( FCRA ) 1

5 U.S.C. 1681i Once a consumer disputes information furnished to a credit reporting agency, the furnisher has a duty to conduct a reasonable investigation and correct or delete the inaccurate information. Your letter unlawfully shifts this burden onto me, requiring proof before you will investigate. This directly violates 1681i ( a ) ( 1 ) ( A ).

2. FCRA 15 U.S.C. 1681s-2 ( a ) As a furnisher, you are required to provide accurate credit reporting. Continuing to report a charged-off account as collectible, delinquent, or active, while simultaneously requiring the consumer to prove otherwise, constitutes the furnishing of false or misleading information in violation of this statute.

3. FDCPA 15 U.S.C. 1692g Under 1692g ( b ), once a consumer disputes a debt, collection activity must cease until validation is provided. Your refusal to investigate without additional proof delays validation while allowing inaccurate reporting to continue, which is a violation.

4. Consumer Harm Your refusal to properly investigate obstructs my rights under the FCRA, damages my creditworthiness, interferes with my ability to obtain credit, housing, and employment, and exposes Capital One to civil liability under 15 U.S.C. 1681n and 1681o.

________________________________________ My Demands 1. Conduct a proper reinvestigation of the disputed account as required under 15 U.S.C. 1681i without requiring me to first prove your error.

2. Provide written confirmation of the results of your investigation.

3. Delete or correct the disputed tradeline from all consumer reporting agencies if you can not fully validate the debt.

4. Provide validation documents, including a copy of the original signed agreement, itemized accounting, and proof of your continued legal right to report or collect on this account.

5. Cease and desist from reporting inaccurate or misleading information to any consumer reporting agency.

6. Will immediately instruct the third-party to withdraw its lawsuit ________________________________________ If you fail to comply with your statutory duties within 30 days, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and the California Attorney General, and I will bring your violations to the attention of the court where litigation is currently pending.

Company response to consumer: Closed with explanation