Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
To Whom It XXXX Concern This letter pertains to accounts from Capital One, Capital One Auto Finance, and XXXX Bank, which has been reported as a charge-offs. I am writing to request the following information and to discuss the management of this account. These accounts were reported as a charge-offs, which is negatively affecting my credit score. The reporting of these accounts are incorrect, as I still see a balance after it was charged off. I urge Capital One, Capital One Auto Finance, and XXXX Bank to reinvestigate and provide all the missing information. Additionally, please explain why a past-due balance is reported while the report indicates charge-offs. I'm confident you are aware that these actions are violations. I request the immediate deletion of these accounts to ensure that these agencies reports only complete and accurate information on my account. 

Request for Copy of Form XXXX : Pursuant to Internal Revenue Code ( IRC ) Section XXXX, I formally request a copy of the Form XXXX, Cancellation of Debt, that you filed with the IRS regarding this account XXXX Please provide this document within 30 days of the date of this letter. 
Investigation of Charge-Off and XXXXredit Reporting : I am concerned that a charge-off has been reported while a balance remains outstanding on my credit report. This discrepancy raises serious questions about the accuracy of your reporting and potential violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 
I demand a full investigation into the circumstances surrounding this charge-off, including : The specific date for the charge-off. 
Documentation verifying the remaining balance as reported to credit bureaus. 
A detailed explanation of how Capital One, Capital One Auto Finance, and XXXX Bank reconciles charge-offs with ongoing credit reporting. 
I believe that reporting a charge-off while simultaneously listing a balance on my credit report is misleading and potentially fraudulent. 
Insurance Claim Information : I request confirmation as to whether Capital One, Capital One Auto Finance, and XXXX Bank filed an insurance claim related to the charge-off of this debt. If an insurance claim was filed, please provide the following : The name of the insurance company. 
The claim number. 
A summary of the information provided to the insurance company regarding this account. 
I am requesting this information to determine if any insurance related activity has impacted my account. 
I expect a written response to these requests within 30 days of the date of this letter. Failure to provide the requested information XXXX result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( XXXX  ) and pursuing legal remedies. 

Please send all requested documents and correspondence to XXXX XXXX XXXX, XXXX XXXX, AL XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation