Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX And copies to each applicable creditor/furnisher listed below. 
Subject : Request for Investigation and Deletion/Correction of Inaccurate or Unverifiable Accounts Under the Fair Credit Reporting Act ( CRA ) and Fair Debt Collection Practices Act ( FDCPA ) Dear Compliance Department, I am writing to formally dispute the accuracy, completeness, and verifiability of several items appearing on my credit reports. This request is made under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), particularly sections 1681i ( reinvestigation of disputed information ) and 1681e ( b ) ( requirement to maintain maximum possible accuracy ). 
I have recently obtained copies of my credit reports from all three bureaus and found several accounts reporting inconsistently or inaccurately. The items below appear to contain inaccurate, outdated, incomplete, or unverifiable information. I am requesting that each bureau and furnisher conduct a thorough reinvestigation and either verify these accounts with documented evidence or delete them from my file within the XXXX  days required by law. 
Creditor / Collector Account # ( Last XXXX ) Basis for Dispute Requested XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX XXXX  XXXX. ) Unverifiable ownership ; inconsistent Delete if unverifiable. 
XXXX XXXX Closed account reported as open Correct to 'Closed/Paid " XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting Correct or delete XXXX  ( Duplicate Entry ) XXXX Duplicate reporting of same debt Remove duplicate entry Under 15 U.S.C. 1681i ( a ) ( 1 ), upon notice of dispute, each consumer reporting agency must conduct a reasonable reinvestigation to determine whether disputed information is accurate. If verification can not be obtained from the furnisher, the item must be deleted per 1681i ( a ) ( 5 ).

Under 15 U.S.C. 1681s-2 ( b ), furnishers ( creditors and collectors ) are required to investigate disputes, review all relevant information, and report results to all credit bureaus. Failure to do so constitutes noncompliance. If any disputed items can not be verified with original documentation, they must be permanently removed. Continued reporting of unverifiable or incomplete information violates 1681e ( b ) and 1681n, which carry potential civil liability. 
I respectfully request that each bureau and furnisher : XXXX. Conduct a full reinvestigation within 30 days of receipt of this notice. 
XXXX. Provide copies of all documents used to verify each disputed item. 
XXXX. Delete any item that can not be verified. 
XXXX. Send written confirmation of deletion or correction once completed. 
Enclosures : - Copy of driver 's license- Copy of proof of address - Copy of credit report with highlighted items Thank you for your immediate attention to these matters.

Company response to consumer: Closed with explanation