Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) XXXX  Credit Report Dated XX/XX/XXXX Re : File No. XXXX Dear XXXX Dispute Department , Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am submitting this formal dispute of several inaccurate, unverifiable, and unlawful items currently listed on my XXXX  credit report dated XX/XX/XXXX. Additionally, I request immediate correction and deletion of any name variations not matching my full legal name. 

I. NAME DISCREPANCY CORRECT LEGAL NAME ONLY You are inaccurately reporting multiple versions of my name. I have only one correct legal name : XXXX XXXX XXXX I have no nicknames, aliases, or " also known as '' ( XXXX  ) names. 
Please immediately remove any name variations in violation of FCRA 1681e ( b ) and ensure only my full legal name is listed.

II. DISPUTED ACCOUNTS REMOVE OR CORRECT IMMEDIATELY XXXX XXXXXXXX XXXX XXXXXXXX. ( Acct ending in XXXX ) - Account is illegally re-aged : Last payment was XX/XX/XXXX, but updated as of XX/XX/XXXX. 
- Charged-off status reported with new activity violates 1681c and 1681e ( b ). 

Capital One ( Acct ending in XXXX and XXXX ) - Both accounts were sold ; Capital One no longer has ownership or collection rights. 
- Account XXXX is confirmed in " cease and desist '' status. Continued reporting violates 1681s-2. 

XXXX XXXX XXXX ( Acct ending in XXXX ) - Charged off and sold. XXXX no longer has legal basis to report the balance. 
- Continued reporting violates XXXX. 

XXXX XXXX XXXX ( Acct ending in XXXX ) - No business relationship exists. XXXX has provided no validation. 
- Unverifiable and must be deleted under 1681i ( a ) ( 1 ) ( A ). 

XXXX  XXXX ( Acct # XXXX XXXX and XXXX ) - Both accounts were sold and Affirm no longer owns them. 
- Reporting violates 1681e ( b ) as ownership has changed without updated furnishers.

XXXX XXXX XXXX XXXX  These accounts are not mine. I never applied for or maintained credit with these companies. 
- Likely a case of mixed or fraudulent file ; delete under 1681i.

XXXX / XXXX XXXX XXXX. ( Missing/Inaccurate Payment Reporting ) - Smugout shows missing payment history and inaccurate reporting. 
- Demand full reinvestigation or deletion under 1681s-2 ( b ).

III. LEGAL GROUNDS AND PRIOR ACTIONS I have previously filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) : CFPB Complaint Number : XXXX ( XX/XX/XXXX ) FTC Report Confirmation Numbers : XXXX, XXXX, XXXX, XXXX, XXXX My complaint specifically addressed XXXX  's unlawful sharing, re-aging, and inaccurate reporting in violation of : FCRA 602 ( A ), 604 ( A ), 605 ( b ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ) FDCPA 807 and 809 You failed to respond in accordance with the 30-day statutory timeframe with appropriate remedial action. Therefore, I am now demanding full reinvestigation and permanent removal of the accounts and name discrepancies. 

IV. ENCLOSURES Please find attached : Copy of my government-issued ID and utility bill XXXX  Credit Report ( Dated : XX/XX/XXXX ) CFPB Complaint Confirmation # XXXX FTC Report Confirmation Numbers listed above V. REQUESTED RELIEF In accordance with FCRA 1681i ( a ), I formally demand the following : Immediate removal of all disputed tradelines unless verified with proper legal documentation. 

Permanent deletion of inaccurate name variations. 

Provision of a corrected copy of my XXXX credit report. A written summary of your reinvestigation and findings
. 

If you can not verify these items within the 30-day statutory timeframe, you are required by law to delete them permanently.

Please confirm receipt of this dispute and respond via U.S. mail or secure digital delivery.

Company response to consumer: Closed with explanation