Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
To Whom It May Concern : I am writing to file a complaint against XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX for reporting inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure maximum possible accuracy of consumer reports, properly investigate disputes, and correct errors.

1. What the Inaccuracy Is Attached is a screenshot from XXXX  showing my payment history for a particular account. The payment history indicates that in XXXX, months XXXX, XXXX, and XXXX are marked with XXXX, XXXX, and XXXX  XXXX  past due, respectively. 
Consumer Financial Protection Bureau Also, in XXXX under XXXX, it shows XXXX  days past due, even though I have never been more than [ insert the maximum days you were ever actually late ]. 

Moreover, the XXXX  letters in XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) are being used to indicate collections or other events, but these do not accurately reflect my account history either I have already paid, the account is not in collections, or the account information is being misreported/mixed with another person 's.

2. How This Error Has Harmed Me My credit score has been negatively affected. The misreporting of severe delinquency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) leads to lenders, insurers, landlords etc., viewing me as high-risk. 

I was denied [ credit/ a loan / better interest rates ] because of this erroneous history. 

I believe it will continue to impact me in financial opportunities until corrected.

3. What I Have Done Already I have reviewed my credit report in detail. 

I have submitted a dispute to XXXX  [ on ( date ) ] asking them to correct/remove the incorrect past due markers and incorrect XXXX XXXX XXXX 

I have included documentation [ e.g. payment statements, bank statements, etc. ] supporting that those amounts/delinquency days are wrong. 

XXXX has either ignored key evidence, or after initial review, reinserted the inaccurate information, or failed to respond in a timely or adequate manner. 

XXXX. The Legal Basis Under the FCRA : XXXX  must maintain reasonable procedures to ensure maximum possible accuracy. 

They must reinvestigate any information disputed by a consumer and consider all relevant information submitted by the consumer. 

They must correct or delete information that is inaccurate, incomplete, or unverifiable. 

Under the Consumer Financial Protection Act ( CFPA ) as well, unfair or deceptive acts or practices in connection with consumer reporting are prohibited.

5. Relief Sought I respectfully request that the CFPB require XXXX  to : Conduct a thorough reinvestigation of my account and correct all inaccuracies e.g., remove or correct the XXXX, XXXX, XXXXXXXX XXXX XXXX past due marks that are incorrect. 

Update the XXXX  notations if they are wrong or remove them if they dont apply. 

Provide me with written confirmation once corrections are made, including an updated credit report. 

Ensure that XXXX  does not use flawed software or processes that allow inaccurate data to be reinserted after deletion. 

Consider any financial or credit harm I suffered ( e.g. higher interest rates, denial of credit ) because of the misreporting. 

XXXX. Supporting Documentation Screenshot of the XXXX  payment history showing the inaccurate information ( attached ). 

Copies of all relevant statements/bank records that show the correct payment history. 

Any correspondence or dispute submissions made to XXXX  related to this issue. 

XXXX. Recent CFPB Enforcement Action ( Relevant ) I also want to bring to your attention a recent CFPB order against XXXX. On XX/XX/XXXX, CFPB ordered XXXX  to pay a {$15.00} XXXX civil penalty for failing to conduct proper investigations into credit reporting errors. 
XXXX XXXX XXXX, XXXX. 
XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX According to the order, XXXX : ignored documents and evidence submitted by consumers during disputes ; allowed previously deleted inaccuracies to reappear ; used flawed software which led to inaccurate credit scores ; violated provisions of the FCRA ( such as the requirement to maintain maximum possible accuracy ). 
Consumer Financial Protection Bureau XXXX Consumer Financial Protection Bureau XXXX Because of this, I believe my complaint is not isolated but reflects a pattern that has led to regulatory action already.

8. Request for CFPB Action Given the seriousness of the errors and the impact on my credit, I ask that the CFPB : Investigate this matter and ensure XXXX  corrects these inaccuracies. 

Ensure XXXX  complies with the prior CFPB order, especially as it relates to preventing reinsertion of inaccurate data and improving disputeprocess integrity. 

Consider requiring restitution if I have been financially harmed. 

Thank you for your time and attention to this serious matter. I look forward to your prompt response, and I am willing to provide any further documentation needed.

Company response to consumer: Closed with explanation