Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10685969
Complaint Overview
Complaint ID: 10685969
Company: Capital One Financial Corporation
Product: Credit reporting or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 32835
Date Received: 2024-11-03T12:00:00-05:00
Date Sent to Company: 2024-11-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally submit a complaint regarding the conduct of XXXX, XXXX, and XXXX in relation to the reporting of a debt allegedly owed to Capital One and handled by a collection agency identified as XXXX Details of the Complaint : Unvalidated Debt Reporting : All three credit reporting agencies have reported a collection account associated with Capital One, despite my repeated requests for verification and validation of the debt. I have never signed any contract with Capital One that would establish this debt, yet it continues to appear on my credit report. Failure to Provide Documentation : Neither Capital One nor the collection agency, XXXX, has provided any documentation that validates the debt or proves my obligation to it. I have requested this documentation in compliance with my rights under the Fair Credit Reporting Act ( FCRA ), but my requests have been ignored or inadequately addressed. Paid Debt Without Validation : Although I have paid off the amount in question to resolve this issue, it is important to note that no contract or valid proof of debt was ever provided. This situation has unfairly impacted my credit report, leading to negative consequences for my financial standing and credit score. Request for Action : I am requesting that the CFPB review this matter and take appropriate action to ensure : The immediate removal of the collection entry from my credit report by XXXX, XXXX, and XXXX due to their failure to validate the debt. An investigation into the practices of Capital One and XXXX concerning their compliance with debt validation requirements. Assurance that credit reporting agencies uphold their obligation to report only verifiable and accurate information. This unresolved issue has caused undue stress and financial hardship, and I trust that the CFPB will address these concerns to uphold consumer rights and promote fair credit reporting practices. Thank you for your prompt attention to this matter. I look forward to your response and any guidance you can provide.
Frequently Asked Questions
What is Complaint #10685969 about?
Complaint #10685969 was filed against Capital One Financial Corporation regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-11-03T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Capital One Financial Corporation?
Yes, visit the Capital One Financial Corporation company profile at readthecomplaint.com/company/capital-one-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.