Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT ERASE THESE ACCOUNTS OFF MY CREDIT UNTIL THEY ARE VALIDATED VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. 

CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any ORIGINAL blue ink signed agreement the alleged debtor/claimant has made with debt collector and other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that the respondent, you, or your company named above is the holder in due course of the agreement 9. Produce any accounts / general ledger statements showing the full accounting of the alleged obligation that you are now attempting to collect. Such as applicable ; XXXX XXXX balance sheet ( XXXX # XXXX XXXX, XXXX, XXXX ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 10. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 
11. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

12. If you are a third party debt collector, verify you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note/agreement.

13. Provide verification from the stated creditor that you are authorized to act for them. 
14. Verify that you know and understand that contacting Claimant again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

CAPITAL ONE AUTO HAS BEEN REPORTING NEGATIVE INFORMATION TO MY ACCOUNT AN TRYING TO COLLECT ON THIS ACCOUNT IF YOU CANT AN NOT WILLING TO VALIDATE ERASE IMMEDIATELY OFF MY CREDIT REPORT UNTIL YOU HAVE MEET REQUIREMENTS OF REQUEST I NEED ALL 1099s YOU HAVE FILLED FOR THIS ACCOUNT CAPITAL ONE AUTO HAS STATED THEY DONT FOLLOW RULES, UCC CODE, CONSUMER ACTS NOTHING

Company response to consumer: Closed with explanation