Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
To prevent further damages to my Credit, as the Law ( s ) give me the right for accurate information to be recorded about me in all credit bureaus, theyve been Notified that the erroneous transaction reports and unauthorize inquiries have been disputed or re-disputed, inclusive CAPITAL ONE that alleges last-late-balance, and all the Credit Companies are immediately to change the status from x days late to Dispute. As alleged Creditor of the Instrument have not provide GAAP book entry debit evidence of the transaction or return a wet ink signature instruments for discharging alleged balance as required by law.

Section 15 USC 1681C ( a ) ( 5 ), which explicitly prohibits financial institutions from disclosing certain adverse information without proper authorization, underscores the necessity for clear and explicit privacy disclosures, particularly in light of the provisions of The Privacy Act of 1974.

I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, emphasizing the importance of furnishing accurate information to consumer reporting agencies. Any failure to ensure the accuracy of shared information may potentially contravene this stipulation. 
I suspect that CAPITAL ONE Account XXXX may have falsely used my identity, and I draw attention to 5 USC 522a, which prohibits the unauthorized use of personal information. Adding to these concerns, CAPITAL ONE appears to have violated FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ), as the law states that it is illegal to have a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report. Further, 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ... Moreover, SEC. 3. RESTRICTING THE TRANSFER OF INFORMATION ABOUT PERSONAL SPENDING HABITS. Section 502 ( b ) of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ( b ) ).

Additionally, I implore the Bureaus to address the lack of opt-out and privacy disclosures, that CAPITAL ONE appears to be violating, considering The Privacy Act of 1974, 15 USC 6805, 16 CFR Part 313, 16 CFR 433.2, 5 USC 522a , and FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ), and take appropriate measures to ensure compliance with privacy laws and consumer protection statutes. 15 USCS 6803 ]. ( b ) Opt out.

Every and each BUREAU WILL IMMEDIATELY CORRECT THEIR FILE AND SENT A CORRECTED FILE TO THE CUSTOER/CONSUMER : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. As these BUREAUs have allowed companies to place an unauthorized inquiry on my credit report when they should know that FCRA, Section 604 requires : Permissible Purpose, My written authorization and Proof that I personally initiated this inquiry. Either provide me strict proof or DELETE the item immediately.

I have previously contacted CAPITAL ONE to resolve this matter, advising them that I do not owe this debt and the account was reported incorrectly., in violation of 15 U.S.C. 6802 - Obligations with respect to disclosures of personal information, and they do not have my consent to have and share my private personal information. CAPITAL ONE has not submitted to me any 1099 tax forms? They are damaging my credit and violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.

Company response to consumer: Closed with explanation