Consumer complaint received 2023-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX XXXX in reference to a bunch of disputes that violates FCRA laws and my rights as a consumer to obtain a fair accurate and complete credit report my capital, one auto finance loan, which was open on XX/XX/XXXXXXXX  reflects late payment history, which violates the following laws : In accordance with the fair credit Reporting act capital one auto financing has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

My capital one account opened XX/XX/XXXX and XX/XX/XXXX. Also violates the following laws XXXX XXXX XXXX  has also violated 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Please remove all late payments and update it to PAID NEVER LATE WITH ALL THREE CREDIT REPORTING AGENCIES In accordance with the fair credit Reporting act capital one accounts opened on XX/XX/XXXX and XX/XX/XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

I have spoken to multiple agents at XXXX. Those agents either hung up on me or they declined to dispute the inaccurate information on my credit report. I contacted CPFB on XXXX XXXX XXXX, and filed a complaint on how I was treated because I asked them to dispute in accurate and incomplete information on my credit report. There is also other complaints open with additional accounts that violates multiple FCRA laws when I informed XXXX and their representatives, I will be in contact with CPFB and file a complaint due to the violations they hung up on me. Most of those agents caught attitude was very rude and did not want to help me. Please look at all of the documents that were supplied to you guys for it shows information from Capital One themselves stating that they will remove the late payments and update it with the credit reporting agencies As the laws were violated, I am demanding that capital one auto finance open on XX/XX/XXXX remove all late payments and update the status to paid never late with all three credit reporting agencies, ( XXXX XXXX, XXXX, and XXXX are the three credit reporting agencies that this information should be removed and updated with as paid never late ). 

As the laws violated, I am demanding that capital one accounts opened on XX/XX/XXXX and XX/XX/XXXX. Remove all late payments and update the status as paid never late with all three credit reporting agencies ( XXXX XXXX XXXX XXXX are the credit reporting agencies that this information should be removed and updated with as paid never late ) I also feel that XXXX is reporting what they want to report to the credit bureau and this is wrong an unlawful and affects the rights of the consumers And violates the law 15 USC 16 ai they are obligated to report an accurate and complete credit report. In my case. They have reported nothing edit they are obligated to report an accurate and complete credit report. In my case. They have reported nothing but an accurate and incomplete. information on multiple counts on my credit report such as the XXXX  account that reflects past due, but the account is charged off you can not report a charged off account and a pass-through balance. At the same time. They also are reporting inaccurate and inconsistent late payments with my XXXX XXXX  credit card, they are also reporting two accounts for XXXX XXXX XXXX. Both accounts are charged off with a past due balance this violates 15 USC 1681 ai for not reporting complete and accurate information. they are also reporting is XXXX account as charged off that reflects a past due balance. This account also has three different balances this account violates 15 USC 1681 ai by not reporting accurate and complete information They are also reporting XXXX XXXX XXXX with a balance at {$4000.00} in which I have no knowledge nor have I signed a contract with this company. They are reporting an account for XXXX. I also have no knowledge nor have I signed a contract with that company. Both XXXX XXXX XXXX  and XXXX is in violation of 15 USC 1681 ai for improper use of my credit report .They are reporting the XXXX XXXX XXXX  with a XXXX balance as a charge off that all information is also in accurate and incomplete. You can not report a XXXX balance as a charged off balance. All of these accounts are in violation of 15 USC 1681 ai The XXXX account report it {$41.00} as a balance that violates 15, USC 1681ai for not reporting complete and accurate information each account that Ive listed above. I want delete it off of my report. The accounts Im referring to is XXXX XXXX XXXX XXXX XXXX XXXX and both XXXX XXXX XXXX accounts as they all violate it 15 USC 1681ai by either reporting inaccurate and incomplete information or in properly using my credit report I have filed disputes with both XXXX and XXXX. XXXX has been very good with updating and accurate information. Besides, the XXXX XXXX XXXX account was not removed yet XXXX I am not able to review my credit report. Ive contacted them several times I do see the dispute that theyve created, but I do not see the updated information yet XXXX has not complied nor completed and accurate dispute which is in violation of 15 USC 1681 ai by failing properly investigate all incomplete and inaccurate information and accounts on my credit report with XXXX they have financially affected me. They have mentally affected me

Company response to consumer: Closed with explanation