Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One is reporting conflicting, impossible, and materially inaccurate information across TransUnion, Experian, and Equifax. These errors violate FCRA 1681e ( b ), FCRA 623 ( a ), and Metro-2 reporting standards. The reporting contains contradictions that can not all be true at the same time. 

XXXX. IMPOSSIBLE DELINQUENCY AGING : TransUnion and Experian show XXXX late statuses for XXXX, XXXX, and XX/XX/XXXX. A consumer can not remain 120 days late for XXXX consecutive months. The aging sequence ( XXXX ) can not repeat. This artificially extends the period of delinquency. 

XXXX. CHARGE-OFF DATES CONTRADICT THE ACCOUNT CLOSURE DATE : Capital One reports the account closed on XX/XX/XXXX, but shows multiple charge-off ( C/O ) statuses in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. A charge-off can not occur after an account is closed, nor can it occur multiple times. 

XXXX. HIGH BALANCE HISTORY AFTER ACCOUNT CLOSURE : XXXX reports a High Balance and credit limit history in XXXX, even though the account closed in XX/XX/XXXX. Account activity can not occur after closure. This is chronologically impossible. 

XXXX. PAST-DUE AMOUNT REPORTED AFTER CHARGE-OFF : XXXX  shows a past-due XXXX of {$2700.00} in months the account is marked as C/O. After a charge-off, the past-due amount should not continue to update or increase. 

XXXX. INCONSISTENT REPORTING ACROSS ALL THREE BUREAUS : Each bureau shows a different timeline : XXXX  : XXXX late for XXXX XXXX and multiple C/O months in XXXX. 
XXXX : C/O is shown in months where XXXX shows XXXX XXXX late. 
XXXX : Reports XXXX late in XX/XX/XXXX, even though the account was already shown as 120 days late for XXXX and XXXX. 

These timelines can not simultaneously be accurate. 

XXXX. XXXX  REPORTS AN IMPOSSIBLE XXXX LATE : Equifax shows XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). This sequence is impossible under XXXX aging rules and materially misrepresents the true delinquency timeline. 

XXXX. REMARKS CONTRADICT STATUS CODES : Remarks such as XXXX, XXXX, Charge Off, and late-payment buckets appear in the same months. XXXX requires that the final account status ( charge-off ) replace prior delinquency buckets. These overlapping remarks are not permitted. 

XXXX. DIFFERENT HISTORIES FROM THE SAME FURNISHER : When the same creditor furnishes different timelines to each bureau, it demonstrates a failure to maintain reasonable procedures for accuracy under FCRA 1681e ( b ) and 623 ( a ). 

REQUESTED RESOLUTION : I am requesting that Capital One and the credit bureaus correct : the delinquency timeline the charge-off date all duplicate XXXX and XXXX late statuses all balance and past-due information dated after the account was closed all impossible charge-off months any data Capital One can not verify with a consistent chronological record If Capital One can not verify accurate and chronologically consistent information, I request deletion of the account under FCRA 623 and 1681i.

Company response to consumer: Closed with explanation