Anonymous
False statements or representation: Debt collection
I am formally disputing the Capital One account appearing on my consumer reports. The account is being reported inconsistently across consumer reporting agencies. The reporting reflects different account statuses and payment designations despite representing the same account. The Fair Credit Reporting Act requires furnishers to report information with maximum possible accuracy. See 15 U.S.C. 1681s-2 ( a ) ( 1 ) and 15 U.S.C. 1681e ( b ). Specifically, the account is reported with varying status descriptions including : * Payment after charge-off/collection * Legally paid in full for less than the full balance * Charge-off These differing descriptions raise concerns regarding the accuracy and consistency of the information being furnished. I request a reasonable investigation pursuant to 15 U.S.C. 1681s-2 ( b ) and request documentation supporting the reporting of the account status, payment history, balance history, and charge-off information. If the information can not be verified as accurate and complete, I request correction or deletion of the account from all consumer reporting agencies. Please provide written confirmation of the investigation results and copies of any documents relied upon.
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