Consumer complaint received 2025-09-11 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: Capio Partners, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX FL XXXX XXXX : [ Insert Date ] XXXX XXXX  XXXX XXXX XXXX, TX XXXX Re : Formal Dispute & Demand for Deletion of Inaccurate Accounts and Addresses Cease and Desist Negative Reporting Consumer Report File Number : [ Insert File Number ] To Whom It May Concern, I am writing to formally dispute the accuracy of the following information on my credit report, including inaccurate accounts and incorrect addresses. I demand immediate correction and deletion of inaccurate data as required by the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

Address Dispute and Demand for Correction : Please be advised that my only valid and current address is : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX FL XXXX XXXX 

Any other addresses appearing on my credit report are inaccurate, outdated, and violate my rights under : FCRA XXXX ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report, including addresses. 

FCRA XXXX : Upon dispute, CRAs must conduct a reasonable reinvestigation to verify disputed information. 

15 U.S.C. 1681c-2 ( a ) : Prohibits the reporting of outdated or incorrect personal information including addresses that are not current. 

I demand immediate deletion of any addresses other than my current and valid address listed above. 

Accounts to be Disputed and Legal Violations : XXXX. ADS/Comenity/Forever XXXX Charge Card, Paid, Closed Violates FCRA XXXX ( b ) : Reporting closed and paid accounts as negative violates maximum accuracy requirements. 

Violates FCRA XXXX : XXXX continues to report inaccurate information despite notice of payment and closure. 

Violates FCRA XXXX : Failure to reinvestigate and correct after dispute. 

XXXX. XXXX  Charge Card , Paid , Closed Violates FCRA XXXX ( b ) : Account is closed and paid, yet reported negatively. 

Violates FCRA XXXX : Furnishers failure to update or correct inaccurate info. 

Violates FCRA XXXX : Failure to reinvestigate properly upon dispute. 

XXXX. XXXX XXXX Collection Account, Alleged Past Due Violates FCRA XXXX : No proper validation of alleged debt after dispute. 

Violates FCRA XXXX : XXXX unverifiable debt. 

Violates 15 U.S.C. 1681c-2 ( b ) : Reporting disputed debts without validation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid, Closed, Never Late Violates FCRA XXXX ( b ) : Reporting paid, closed accounts as delinquent. 

Violates FCRA XXXX : Reporting false negative information. 

Violates FCRA XXXX : Failure to reinvestigate and delete inaccurate info. 

XXXX. XXXX XXXX Charged Off / Negative Past Due Status Violates FCRA XXXX ( b ) : Reporting inaccurate negative status. 

Violates FCRA XXXX : Furnisher reporting without validation. 

Violates FCRA XXXX : Lack of investigation after dispute. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account, {$520.00} Past Due Violates FCRA XXXX : Insufficient validation/documentation after dispute. 

Violates FCRA XXXX : XXXX unverifiable debt. 

Violates 15 U.S.C. 1681c-2 ( b ) : Improper reporting of disputed, unvalidated debt. 

Violates 15 U.S.C. 605 ( b ) : Unauthorized disclosure of personal information. 

Emotional and Financial Impact : The continued inaccurate reporting of these accounts and incorrect addresses causes substantial emotional distress and financial harm, including damage to my credit standing, increased borrowing costs, and undue stress, violating my federally protected consumer rights. 

Cease and Desist Demand : I demand all negative reporting related to these accounts cease immediately unless full and proper validation is provided. I also demand deletion of any inaccurate addresses. Continued reporting of unverifiable or inaccurate information constitutes harassment and will be treated as willful violations of federal law. 

Please confirm in writing within XXXX  days that these entries and inaccurate addresses have been deleted or corrected on my credit report. Failure to comply will result in pursuing all available legal remedies under the FCRA, FDCPA, and other applicable consumer protection statutes. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief