Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal and comprehensive dispute regarding the account reported by Capital One on my credit report. This account has been inaccurately reported, and my efforts to resolve the matter have been met with a pattern of neglect, misrepresentation, and failure to comply with federal law, specifically the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) ( if applicable ).

1. Failure to Investigate ( FCRA 1681s-2 ( b ) ) Capital One has failed to conduct a reasonable investigation into my repeated disputes since XX/XX/year>. I have confirmed through a recorded call with one of Capital Ones own agents that no investigation has occurred since that time, despite my continued disputes being submitted both directly and through the Consumer Financial Protection Bureau ( CFPB ).

Under FCRA 1681s-2 ( b ), a data furnisher ( like Capital One ) is required to : Investigate the disputed information ; Review all relevant information provided by the consumer reporting agency ; Report the results of the investigation to the consumer reporting agencies ; Modify, delete, or block the reporting of any inaccurate or unverifiable information.

Capital One has failed all of these responsibilities.

2. Misrepresentation During CFPB Response In my recent CFPB complaint, Capital One misrepresented material facts, including : Providing an incorrect payment address, which caused further complications and delays ; Telling me I could not pay online, which is false and contradicts their own policies ; Denying my claims without properly reviewing the evidence or conducting any investigation.

This is not only a violation of consumer rights, but it also constitutes bad faith communication with a government agency.

3. Reporting of Inaccurate and Incomplete Information Despite the disputes, Capital One continues to report derogatory and harmful tradeline information to all three major credit bureaus. This information is : Inaccurate, as the account should have been corrected or deleted after a proper investigation ; Unverified, as Capital One has admitted to not reviewing the account in over XXXX months ; Misleading, as it reflects non-payment due to circumstances caused by Capital Ones own misinformation.

4. Financial and Reputational Harm Due to Capital Ones failure to act lawfully : I have been denied credit opportunities ; My credit score has been damaged ; I was forced to pay under duress, using incorrect information provided by Capital One ; I have experienced mental and emotional distress stemming from this mishandling.

5. Legal and Regulatory Violations Capital One is currently in violation of the following : FCRA 1681s-2 ( b ) Failure to reasonably investigate consumer disputes ; FCRA 1681i ( a ) Continued reporting of inaccurate and unverified information ; FDCPA 807 ( if debt collection applies ) False or misleading representations ; FDCPA 808 Use of unfair or unconscionable means to collect a debt ; CFPB Regulation V Furnisher responsibilities under 12 CFR 1022.42 ; Potentially deceptive practices reportable under the Federal Trade Commission Act.

Demand for Resolution I am requesting the following immediate actions : 1. Permanent deletion of the Capital One account and all associated negative marks from my credit reports with XXXX XXXX XXXX XXXX ; XXXX. A written admission and explanation of XXXX XXXX failure to investigate and misstatements in response to regulatory agencies ; XXXX. Compensation in the amount of {$10000.00} for economic damages, reputational harm, and mental distress caused by your negligence and bad faith ; 4. Confirmation that this dispute has been properly reviewed and that no further collection or credit reporting activity will continue without full verification and resolution.

If this matter is not resolved within 10 business days, I will take the following steps : Initiate legal proceedings for violations of the FCRA and FDCPA ; Submit a formal complaint to the Office of the Comptroller of the Currency ( OCC ) and the Federal Trade Commission ( FTC ) ; Provide my complete documentation to consumer protection attorneys, news outlets, and consumer advocacy groups Capital One sold or transferred the disputed account to a third-party entity while the debt was still actively under investigation and dispute. This action is a direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under federal law, a creditor or furnisher is prohibited from continuing collection activity or transferring ownership of a debt that is the subject of an unresolved dispute. By proceeding with the sale or assignment of the account, Capital One not only disregarded my right to a fair and complete investigation, but also knowingly placed inaccurate and unverified information into the hands of third partiescausing further damage to my credit profile and financial standing. 

This conduct reflects a pattern of negligence and bad faith and supports my demand for deletion of the account, monetary relief, and escalation to federal regulatory bodies if not rectified.

Company response to consumer: Closed with non-monetary relief