Consumer complaint received 2021-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Id previously written regarding this account and have spoken with several of your representatives in account resolution and customer services and was advised that there is nothing Capital One can do. I have spoken with several of your representatives in account resolution and customer services and was advised that there is nothing Capital One can do. I've worked with XXXX XXXX, XXXX XXXX and XXXX XXXX, each very kind, but had no authority to correct these errors. 

Summary of Events : XX/XX/XXXX, this account was charged off. 
XX/XX/XXXX, I paid a charge-off account through XXXX  ( XXXX ) for account XXXX to bring the chare-off balance to {$0.00} o In XX/XX/XXXX, my 3-bureau credit report shows that the account status for all 3 reports was Paid after chargeoff, even though I paid in XXXX, it wasnt reported as paid until the XXXX report. I wasnt too concerned about that even though it is inaccurate Later in XX/XX/XXXX, I was alerted by XXXX that my credit score had decreased again, Capital One had reported the account as Open, Past Due 120+ days past due. 
o I called Capital One who auto-routed by account number, who directed me to XXXX who then directed me back to Capital One o I had to file a dispute with each credit bureau : {$14.00} postage In XXXX, the account was corrected back to Chargeoff, Paid for less than full amount ( XXXX ) In XX/XX/XXXX, Capital One reported to XXXX and XXXX again, that the account was Open, Past Due 120+ days past due. 
Again, I had to dispute to get the status corrected. This time, I asked the account be DELETED from my credit report. 
In XX/XX/XXXX, XXXX  errors were corrected In XX/XX/XXXX, Capital One reported to XXXX the account was opened through XX/XX/XXXX and then charged off in XX/XX/XXXX XXXX notice the green dots in the credit report attachment XXXX ) I was in the home purchase process and was wondering why, with my other high scores, XXXX  was continuing to be low. I was denied by XXXX XXXX XXXX XXXX  for a .25 % Interest Rate reduction loan with {$17000.00} down payment assistance due to my XXXX  credit report XXXX my employer, due to recent payment history ), XXXX XXXX XXXX XXXX based on XXXX  XXXX due to recent payment history ), and XXXX XXXX could not match me after pulling my XXXX  report XXXX due to recent derogatory history ). 

After finally being pre-approved to purchase with a higher intesest rate, my current lender I am working with, XXXX XXXX, pointed out all of the issues with the way XXXX  has inaccurately reported the information, which makes it appear that I have recently missed a payment and have a charge off 9 months ago. 

I have been denied access to other lending due to the errors of Capital One and their inability to accurately report the information to all 3 bureaus. Again, due to their false and inaccurate reporting, I suffered financially as they have falsely reported information in a manner that made it appear I had 1 XXXX a payment later than 30 days in the past 12 months, 2 ) a payment late by greater than 90 days in the last 12 months, 3 ) a serious derogatory event on an account in the past 12 months, 4 ) failed to accurately report the information to the credit bureaus multiple times, causing me to have to pay to dispute via postage, and 5 ) denied the existence of an issue and marked each prior dispute as " verified '' to the bureaus without a proper investigation that would have shown the same information in the documents attached to this complaint as proof. 

Each time I have pointed this out to Capital One and the credit bureau XXXX it has been reported as verified by data furnisher. 

Please just DELETE this from my credit report. I dont want to dispute it to correct the dates any longer as each time it triggers a series of balance and date changes on my credit report, and I lose 50-75 points even though Im doing things correctly. I am truly at my wits end. As a XXXX XXXX veteran, this is very difficult to deal with. 

I hope you can review and remove this as Im a good customer and feel this is truly a bad experience and am not certain if its some sort of retribution or punishment.

Company response to consumer: Closed with explanation