Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10724877
Complaint Overview
Complaint ID: 10724877
Company: Capital One Financial Corporation
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Personal information incorrect
State: Georgia
ZIP Code: 30260
Date Received: 2024-11-07T12:00:00-05:00
Date Sent to Company: 2024-11-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Debt Validation Request Dear XXXX, I am writing to formally request validation of the debt referenced in your records under account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request documentation that verifies the existence and amount of the debt you claim I owe. Please provide me with the following information : 1.Validation of the debt : A detailed statement of the amount owed, including any fees or interest. 2.Proof of ownership : Documentation that proves you own the debt or have the authority to collect on it. 3.Account history : A complete account history that reflects all payments made and any adjustments made to the account. 4.Original creditor information : The name and address of the original creditor, including the original account number. Additionally, please be aware that under FCRA 609, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. If you are unable to provide the requested documentation, I expect that you will remove all negative entries associated with this account from my credit report. I appreciate your prompt attention to this matter. Please respond within 30 days to avoid any further reporting of this account to credit bureaus.
Frequently Asked Questions
What is Complaint #10724877 about?
Complaint #10724877 was filed against Capital One Financial Corporation regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-11-07T12:00:00-05:00.
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.