Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Reporting of Late Payments and Account Closure Violations Complaint Against : Capital One N.A.

Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Nature of the Complaint I am filing this complaint regarding the unauthorized and inaccurate reporting of late payments and the improper closure of my account by Capital One N.A. , as well as the subsequent reporting of this information by XXXX and XXXX. Despite sending a letter to Capital One on XX/XX/year>, requesting clarification and compliance with applicable laws, I have not received any response.

The actions of these entities violate several provisions of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 ), as outlined below : Issues
with Capital One N.A. 
XXXX. Improper Account Closure : On XX/XX/year>, I received a letter from Capital One N.A. stating my accounts ending in XXXX, XXXX, and XXXX was closed due to " account behavior not consistent with Capital Ones expectations. '' The explanation provided is vague and fails to meet the specificity requirements mandated by Regulation B of the ECOA ( 12 CFR 1002.9 ).

No prior notice or opportunity to address alleged issues was given before the account closure, violating transparency and fairness standards under the ECOA.

2. Failure to Respond to Consumer Inquiry : On XX/XX/year>, I sent a letter to Capital One requesting : A specific reason for the account closure, including any applicable adverse action codes ( C-1 to C-10 ).

A GAAP-certified accounting of any alleged late payments.

Reconsideration of the account closure and compliance with federal regulations, including the ECOA and FCRA.

To date, Capital One has failed to respond, demonstrating a lack of accountability and transparency.

3. Inaccurate Reporting of Late Payments : After the closure, Capital One inaccurately reported late payments on my account to XXXX and XXXX. These late payments were never communicated to me, nor was I given an opportunity to resolve them.

This reporting violates the FCRA ( 15 U.S.C. 1681s-2 ), which prohibits furnishers of information from reporting inaccurate or incomplete information.

4. Failure to Provide Full Accounting : Despite my requests for an itemized and GAAP-certified accounting of any alleged late payments, Capital One has not provided this information, further violating transparency obligations. 

Issues with XXXX and XXXX XXXX. Failure to Ensure Accuracy : Both XXXX and XXXX have included inaccurate late payments from Capital One on my credit report without verifying the validity of this information.

This violates their obligations under 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure maximum accuracy of the information they include in consumer reports.

2. Failure to Investigate Disputes : I filed disputes with XXXX and XXXX regarding these inaccuracies, but both agencies failed to conduct a thorough investigation as required under 15 U.S.C. 1681i ( a ).

No corrective actions were taken despite the lack of evidence supporting the reported late payments. 

Harm Caused The inaccurate reporting of late payments and the improper closure of my account have caused significant harm, including : A reduction in my credit score.

Difficulty in obtaining credit, which has impacted my financial stability.

Emotional distress due to the lack of transparency and unfair treatment by these entities.

Relief Sought I respectfully request that the CFPB take the following actions : 1. Against Capital One N.A. : Investigate the improper closure of my account and failure to provide a legally compliant explanation under the ECOA.

Investigate Capital Ones failure to respond to my letter dated XX/XX/year>. 
Require Capital One to provide a GAAP-certified accounting of any alleged late payments, signed under penalty of perjury.

Direct Capital One to correct any inaccurate information reported to credit bureaus. 

XXXX. Against XXXX and XXXX : Investigate their failure to verify the accuracy of the late payments reported by Capital One.

Require the removal of all inaccurate information from my credit reports.

Ensure compliance with their obligations under 15 U.S.C. 1681e ( b ) and 1681i ( a ).

3. General : Provide compensation for damages caused by the inaccurate reporting and account closure.

Supporting Documentation I will provide the following documentation upon request : The letters from Capital One dated XX/XX/year>. 
My XX/XX/year> letter to Capital One and proof of mailing.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX