Consumer complaint received 2022-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
To Whom It May Concern : Thank you for taking the time to read this letter its in reference to capital one not being able to communicate the correct information with the XXXX credit bureau on the matter regarding XXXX late payments on card ending with XXXX from XX/XX/XXXX to XXXX which are fallacious I was told by XXXX on XX/XX/XXXX a capital one manager to submit a dispute letter in order to rectify this ongoing issue. Which both she and I surmised was previously revolved. A brief background I live in XXXX XXXX  XXXX however half XXXX months out of the year I also reside in XXXX for work purposes. A few years ago, to be specific From XX/XX/XXXX through XX/XX/XXXX it show that there were some consecutive missed payments however was deemed incorrect. As made aware to capital one, Upon arriving to XXXX at the time I learn that I could not access my account and wasnt able to make payments electronically as I normally do, due to the fact your system flagged my computer for being on an international unrecognized IP address and assumed a fraudulent individual wanted to access the account. I called capital one utilizing the international number on the back of the card and specified that I'm away for a brief period to turn on autopay as I was not able to do it myself.I was told by the representative that it's activated. Please Note that I activate autopay on all my cards and never have any issues and including my capital one cards.. A few years went by and didnt think anything of it and randomly decided to check my credit report and it show these missed payments. Also, note my credit score range between XXXX and XXXX which is also the reason I never bothered to look deeper. On XX/XX/XXXX, at XXXX XXXX XXXX on a recorded conversation, I reached out to capital again and spoke with a lady by the name of XXXX who was aware of the situation. XXXX spoke with her managers regarding the issue and told me that they have taken care of it and that i shouldnt be worried. XXXX also left a detailed note in the system that day stating capital one will remove the incorrectly reported missed payment and will also rectify it with all 3 bureaus. I Went away again at the end of XX/XX/XXXX and came back to the US end of XX/XX/XXXX which is when I called to follow up. Spoke with one representative who ended up transferring me to XXXX and she mentioned that she wasnt sure how they deleted the information however the best way is to send a written letter to the dispute department and they will be able to do so. 
i send the letter capital one responds with a letter to send a copy of my credit report which I've done. I called capital one back find out nothing has been done I spoke with another gentleman by the name of XXXX that said he would look into it and follow up with me that never happened. 
After some further investigation, we've realized that the dispute center at the capital one located in Utah is unable to read the notes from the main center meaning when the information was disputed with the bureaus the capital one dispute team in Utah was not able to respond with the correct information as their system are not link Having the false derogatory item of 6 late payments is affecting my credit I've reached out to the bureau several times in order to delete the inaccurate information and have not been successful hopefully youre team is able to help thank you for you time Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX

Company response to consumer: Closed with explanation