Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : You Violated The United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681 to civil liability for negligent noncompliance and 15 U.S. Code 1629k civil liability. 
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and invalidated information from my consumer file. I intend to pursue ligation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint XXXX the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
YOU ARE IN DIRECT VIOLATION OF FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
It's very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors I see you are disregarding it so heres my breakdown. 
XXXX. The Fair Credit Reporting Act is primary federal law that governs the collection and reporting of the credit information about consumers. Its rules over how a consumers credit information is obtained, how long it is kept, and how it is shared with others- including consumers themselves. 
XXXX. What is a FCRA violation? Creditors give reporting agencies inaccurate financial information about you. Reporting agencies missing up XXXX persons information with anothers because similar ( or same ) last name or social security number. Agencies fail to follow guidelines handling disputes. 
XXXX. My rights under the fair credit reporting act. Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. 
Dispute- and have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after XXXX years in most cases, XXXX in the case of bankruptcy. ) I demand these items be deleted immediately. I enter the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and invalidated. I recently applied for extend credit and was denied I am distress because of your mistakes. 
The law is very clear as to the Civil liability and the remedy available to me ( Section616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursuing litigation in the matter to enforce my rights under the FCRA. 
XXXX The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} please delete Please Remove from my credit report. VIOLATION OF 15U.S CODE 1681n Civil Liability for willful non compliance ( a ) In general ANY person who willfully fails to comply with any requirement imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) Such amount of punitive damages as the court may allow ; and ( XXXX ) In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency or {$1000.00} which ever is greater. 
Please remove all non-account holding inquiries. Please NOTE that you have 30 DAYS to complete this investigation, as per Fair Crediting Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine accuracy and completeness of the information of this information I hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of verification. I do not consent to eOscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX ) defamation XXXX ) Negligent enablement of Identity fraud XXXX ) violations of the fair Credit Reporting Act XXXX ) financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
I am also including a copy of my complaint to the Organizations Below : CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CC : Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller of Currency CC : Federal Reserve XXXX XXXX : XXXX XXXX XXXX XXXX : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Division of Consumer Complaint

Company response to consumer: Closed with explanation