Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Formal Dispute of Inaccurate, Incomplete, and Unverifiable Credit Reporting To Whom It May Concern : This letter serves as a formal dispute under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681c-2. Upon reviewing my XXXX  credit file, I found multiple accounts being reported inaccurately, incompletely, and in violation of my consumer protection rights. I demand immediate investigation, deletion, or correction of the following accounts. 



XXXX. XXXX XXXX, XXXX ( XXXX Entries ) XXXX account is listed as closed with no delinquency, while another shows a charge-off with late payments. 
This is a duplicate reporting violation under FCRA 1681i ( a ) ( 1 ) ( A ) ( reasonable reinvestigation required ) and 1681e ( b ) ( maximum possible accuracy ). 
Additionally, the charged-off account reflects inconsistent balances and statuses ( reported {$20.00} balance after charge-off ). Per FCRA 1681c-2, unverifiable or inconsistent information must be removed.

Demand : Delete all inaccurate Kikoff entries immediately.

2. Capital One/WMT ( XXXX XXXX XXXX ) Reported as charge-off, bad debt/collection, AND closed by grantor conflicting statuses. 
Balance of {$280.00} reported despite charge-off, violating FCRA 1681e ( b ) ( accuracy ).

Payment history shows multiple overlapping late notations beyond 7 years for certain months, which violates FCRA 1681c ( a ) ( 5 ) ( obsolescence ). 

Demand : Delete or correct due to contradictory and outdated reporting. 



XXXX. XXXX XXXX XXXX XXXX ( XXXX Accounts ) XXXX account is reported as a collection account with {$0.00} balance but still marked as derogatory each month after closure, which is misleading and inaccurate under FCRA 1681e ( b ). 
Another account is closed with no balance, but late payments continue to be reported after account closure, which is legally impermissible. 

Demand : Delete or remove duplicate and inaccurate XXXX XXXX reporting. 



XXXX. XXXX XXXX XXXX  ( Acct. ending XXXX ) Listed as a charge-off with a balance of {$290.00} despite the account being closed since XX/XX/XXXX. 
Late notations are reported every month after closure, which is factually impossible and a violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( furnishers must report accurately ). 

Demand : Delete or correct XXXX account to reflect true status. 



XXXX. Collections ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ) Each collection is reported without proof of ownership of debt or validation. 
Per FCRA 1681i ( a ) ( 2 ) and FDCPA 809 ( b ), a consumer has the right to request validation. Until verified with proper documentation, these accounts are unverifiable and must be removed. 

Demand : Delete all unverifiable collections immediately.

Company response to consumer: Closed with explanation