Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN. XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, KY XXXX Re : Formal Demand for Debt Validation & Credit Reporting Verification Account/Reference Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, This letter serves as a formal dispute and a demand for full validation of the alleged debt referenced above. 
This request is made under : FDCPA, 15 U.S.C. 1692g ( b ) ( Debt Validation & Cease Collection ) FCRA, 15 U.S.C. 1681s-2 & 1681i ( Furnisher Accuracy & Reinvestigation Duties ) You are hereby put on notice that I dispute this account in its entirety until you provide complete and lawful validation. 


-- - SECTION XXXX FDCPA RIGHTS & DEMANDS ( Debt Validation Requirement : 15 U.S.C. 1692g ( b ) ) Under XXXX  law, once I dispute a debt : You must cease all collection efforts, You must cease reporting to any credit bureau, You must not contact me by phone, And you must provide proper validation before resuming any collection activity. 


Failure to comply is a direct violation of XXXX  law. 

You are required to provide ALL of the following : XXXX. Complete Chain of Assignment / Ownership Proof that you have the legal right to collect Contracts, sale agreements, or assignment documents XXXX. Original Creditor Documentation Original signed contract or application Itemized statements from Day XXXX to present All interest, fee, and charge breakdowns XXXX. Legal Standing Documentation Proof the debt is still legally enforceable Date of first delinquency ( DOFD ) Date of charge-off Statute of limitations verification XXXX. Collector Licensing Information Proof that your company is legally licensed to collect in my state ( if required by law ) If you can not provide all documentation above, you are legally prohibited from further collection. 


-- - SECTION XXXX FCRA RIGHTS & COMPLIANCE REQUIREMENTS ( Accuracy & Verification Duties of Furnishers ) If your company has reported or is currently reporting this alleged debt to XXXX XXXX XXXX XXXX, you are subject to FCRA furnisher requirements, including : FCRA 15 U.S.C. 1681s-2 ( a ) You must furnish information that is accurate, complete, and fully verifiable.

FCRA 15 U.S.C. 1681s-2 ( b ) Once a debt is disputed, you must : Conduct a reasonable investigation, Provide supporting documentation, Correct or delete any unverifiable information, and Report the dispute to XXXX  credit bureaus. 


FCRA 15 U.S.C. 1681i ( a ) ( 5 ) If you can not verify the account, you must delete it.

Therefore, I am demanding : Your verification evidence used for credit reporting A copy of all documents supporting the accuracy of the balance, dates, and status Proof of the factual basis for any information furnished to the bureaus Evidence that you notified the credit bureaus of my dispute If you can not provide this documentation, you must immediately request removal of the account from all credit reports.

-- - SECTION III CEASE COLLECTION & COMMUNICATION NOTICE Under FDCPA 1692g ( b ) : All collection activity must stop, All reporting to credit bureaus must stop, All calls to me must stop, until you provide the validation requested. 

You are instructed to communicate in writing only. 
Phone calls are not permitted. 


-- - SECTION XXXX REQUIRED RESPONSE You are required to send all validation and verification documents to the address above. 

If you can not validate this debt in full, you must : Cease all collection activity permanently Delete all credit reporting Send written confirmation that the account is closed and no further action will be taken -- - SECTION XXXX FINAL NOTICE If you : Continue to collect without validating, Report inaccurate or unverified information, Fail to notify the credit bureaus of my dispute, or Attempt to misrepresent the debt, you will be in violation of the FDCPA, FCRA, and applicable state regulations. 

I reserve all rights to seek remedies, including but not limited to : Filing complaints with the CFPB, FTC, and State Attorney General Pursuing civil remedies as allowed under federal and state law I expect your response within the timeframe required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation