Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, This letter constitutes a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding inaccurate, incomplete, and unverifiable information XXXX  is reporting concerning the following accounts : Disputed Accounts Creditor : Capital One Bank ( USA ), N.A.

Account ( s ) : Account ending XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX ) Account ending XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX ) Status Reported : Charged Off Balances Reported : {$4800.00} / {$4800.00} Basis for Dispute Specific Legal Violations XXXX  reporting of these accounts violates multiple provisions of the Fair Credit Reporting Act, including but not limited to : 1. Failure to Maintain Maximum Possible Accuracy 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. These accounts contain internally inconsistent balances, contradictory payment histories, and conflicting delinquency timelines, rendering the reporting inaccurate and unreliable.

2. Inaccurate and Misleading Payment History Reporting The payment histories show zero balances followed by sudden charge-off balances, indicating improper re-aging or inaccurate reporting of the date of first delinquency, in violation of 15 U.S.C. 1681c ( a ) ( 4 ) and 1681s-2 ( a ) ( 1 ) ( A ).

3. Incomplete and Unverifiable Information XXXX  is reporting these charge-offs without producing or possessing verifiable documentation, such as : A signed contract or application Proof of lawful debt ownership A complete accounting of how the balances were calculated Reporting information that can not be verified constitutes a violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which mandates deletion when information can not be verified.

4. Prior Dispute Does Not Cure Ongoing Violations XXXX  notes that at least XXXX account was previously in dispute investigation complete. Be advised : A prior dispute does not absolve XXXX  of its continuing duty to ensure accuracy. Continued reporting of inaccurate or unverifiable information constitutes ongoing noncompliance under XXXX XXXX. XXXX ( b ) and XXXX. 

Demand for Deletion Because XXXX  can not lawfully verify these accounts with competent evidence and because the reporting contains material inaccuracies, I am formally demanding that both Capital One charge-off accounts be permanently deleted from my XXXX  credit file. 

XXXX XXXX responses or furnisher parroting do not satisfy the FCRAs reasonable investigation standard, as established in federal case law. 

Notice of Liability If XXXX  continues to report these accounts without correcting or deleting them, such conduct will constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, exposing XXXX  to statutory damages, actual damages, attorneys fees, and costs. 

Timeframe for Compliance You have 30 days from receipt of this notice to complete a lawful reinvestigation and confirm deletion in writing. Failure to comply will result in escalation to the Consumer Financial Protection Bureau, State Attorney General, and preparation for further legal remedies. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation