Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau P.O. Box 27170 Washington, D.C. 20038 Subject : Formal Demand for Immediate Investigation and Deletion of Fraudulent and Inaccurate Credit Reporting Information under Federal Law Dear CFPB and Whom It May Concern, I am writing pursuant to my rights under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), 15 U.S.C. 1692 ( Fair Debt Collection Practices Act ), and Title 42 1983 of the U.S. Code to demand the immediate removal and permanent deletion of multiple erroneous, outdated, unverifiable, and inaccurate items currently reported on my credit file maintained by XXXX ( report date : XX/XX/XXXX ). 

As a United States citizen, I am constitutionally entitled to due process under the 5th and 14th Amendments and protection from false or damaging reporting under applicable federal statutes. The information listed below violates these rights and constitutes grounds for formal litigation, including financial damages : -- - DISPUTED ACCOUNTS : 1. CAPITAL ONE ( Acct # : XXXX ) Marked as 60 days late despite closed status 181 % utilization is mathematically incorrect and defamatory Marked derogatory and damaging without ongoing obligation Violates FCRA 602A, 607 ( b ), and 611 ( a ) 2. XXXX XXXX XXXX XXXX XXXX ( Acct # : XXXX ) Fraudulent {$59000.00} balance without verification Improper collection status and false adverse rating Failure to validate under 15 U.S.C. 1692g Violates FDCPA 807 ( 8 ), 809, FCRA 605 ( b ), 611 ( a ), 623 ( b ) 3. XXXX XXXX XXXX XXXX  XXXX XXXX ( Acct # : XXXX ) Listed with contradictory " dispute resolved '' comments without proper reinvestigation under 611 Violates FDCPA 809 ( b ), FCRA 623 ( a ) ( 3 ), 623 ( b ) 4. Hard Inquiries from : XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Several inquiries made without permissible purpose under FCRA 604 Violates FCRA 604 ( a ) ( 3 ) and 605 ( a ) ( 5 ) -- - LEGAL DEMANDS : Under federal law, you are obligated to investigate these claims within 30 calendar days, and the following actions must be taken immediately : 1. DELETE the above-referenced accounts and inquiries from my credit file. 


2. SEND ME WRITTEN VERIFICATION of deletion from XXXX XXXX XXXX XXXX 


3. PROVIDE ALL DOCUMENTS used to verify these accounts, including original signed contracts.

4. CEASE ALL REPORTING of any unverifiable, obsolete, or incorrect information.

Failure to comply will result in legal action against all involved parties for : Willful noncompliance under FCRA 616 Negligent noncompliance under FCRA 617 FDCPA damages up to {$1000.00} per violation Civil penalties under TILA and Constitutional law Defamation, emotional distress, and punitive damages I hereby request all communications regarding this matter to be sent in writing. This letter also serves as notice of potential litigation and maximum statutory penalties under federal law for each continuing violation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief