1. Gather Evidence
Collect statements, payment receipts, and any communication with Capital One.

2. Review Your Rights
Familiarize yourself with the Fair Credit Reporting Act (FCRA).

3. Draft Your Dispute Letter
Use firm, assertive language while remaining professional.

4. Send via Certified Mail
Use certified mail with return receipt for proof of delivery.

5. Follow Up
If no response within 30 days, escalate to credit bureaus.

Here’s an aggressive dispute letter template:

[Your Name] [Your Address] [City, State ZIP Code] [Date]

Capital One
Attn: General Correspondence
P.O. Box 30285
Salt Lake City, UT 84130-0285

Re: Dispute of Erroneous Late Payment Report – Account #[XXXX-XXXX-XXXX-XXXX]

To Whom It May Concern:

I am writing to demand the immediate removal of the falsely reported late payment on my account ending in [XXXX] for [month/year]. Your records are unequivocally incorrect, and this error is causing undue harm to my credit standing.

I have consistently maintained timely payments on this account, and I vehemently reject any claim to the contrary. Your failure to accurately report my payment history is a clear violation of the Fair Credit Reporting Act (FCRA).

I expect Capital One to take swift and decisive action to rectify this error. Specifically, I demand that you:

1. Conduct a thorough investigation of this dispute within 30 days, as mandated by law.
2. Provide comprehensive documentation supporting your claim of late payment, if you persist in this erroneous reporting.
3. Immediately remove the late payment notation from my credit file if you cannot produce irrefutable evidence of its accuracy.
4. Issue updated reports to all credit bureaus to correct this misinformation.

Be advised that if this matter is not resolved promptly and to my satisfaction, I am prepared to escalate this dispute to the appropriate regulatory bodies, including the Consumer Financial Protection Bureau and the Federal Trade Commission.

I expect a written response detailing the results of your investigation within 30 days. Failure to address this issue will be considered a violation of the FCRA, and I will not hesitate to pursue all legal remedies available to me.

Sincerely,

[Your Signature] [Your Printed Name]

Remember, while being firm and assertive, always remain professional. Threatening language or personal attacks can be counterproductive.