Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXXSubject: Formal Dispute of Inaccurate Credit Reporting and Improper Reinvestigation\nTo Whom It May Concern,\nI am writing to formally dispute the accuracy of information reported in my XXXX  credit file. Additionally, I am concerned that XXXX  has not conducted a proper reinvestigation of the dispute(s) I previously submitted, in direct violation of your obligations under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681i, and the Consumer Financial Protection Act (CFPA).\nThe disputed item(s) in quest, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMy reasons for disputing this/these item(s) are:\nIncorrect balance and unremoved fraudulent charges that were reported, but not removed\nI submitted documentation to support my position, including:\ncorrespondence (verbal and written)\nAccording to a federal complaint filed by the Consumer Financial Protection Bureau (Case No. 8:25-cv-00024), XXXX  has engaged in widespread violations of FCRA and CFPA requirements, including:\n\tFailing to forward relevant dispute information to furnishers\n\tUsing vague or misleading dispute codes\n\tIgnoring supporting documentation provided by consumers\n\tRelying blindly on furnishers responses without meaningful review\n\tIssuing confusing, incomplete, or contradictory result letters\n\tRe-inserting previously deleted inaccurate tradelines without proper certification or notice\nThese are serious violations that result in harm to consumers and directly impact creditworthiness. I am now demanding the following:\n1.\tA reasonable and thorough reinvestigation of the item(s) disputed\n2.\tWritten notice of the specific results of the reinvestigation, as required under 15 U.S.C.  1681i(a)(6)\n3.\tImmediate deletion or correction of any unverifiable, incomplete, or inaccurate information\n4.\tConfirmation that any deleted information will not be reinserted without meeting all requirements under 15 U.S.C.  1681i(a)(5)(B)\nPlease be advised that failure to address this matter adequately may result in a formal complaint to the CFPB, the FTC, and potential legal action to protect my rights under the FCRA and CFPA.\nI expect a written response and resolution within 30 days, per FCRA regulations. Thank you for your prompt attention.\nSincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXSubject: Formal Dispute of Inaccurate Credit Reporting and Improper Reinvestigation\nTo Whom It May Concern,\nI am writing to formally dispute the accuracy of information reported in my XXXX credit file. Additionally, I am concerned that XXXX has not conducted a proper reinvestigation of the dispute(s) I previously submitted, in direct violation of your obligations under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681i, and the Consumer Financial Protection Act (CFPA).\nThe disputed item(s) in quest, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reasons for disputing this/these item(s) are:\nIncorrect balance and unremoved fraudulent charges that were reported, but not removed\nI submitted documentation to support my position, including:\ncorrespondence (verbal and written)\nAccording to a federal complaint filed by the Consumer Financial Protection Bureau (Case No. 8:25-cv-00024), XXXX  has engaged in widespread violations of FCRA and CFPA requirements, including:\n\tFailing to forward relevant dispute information to furnishers\n\tUsing vague or misleading dispute codes\n\tIgnoring supporting documentation provided by consumers\n\tRelying blindly on furnishers responses without meaningful review\n\tIssuing confusing, incomplete, or contradictory result letters\n\tRe-inserting previously deleted inaccurate tradelines without proper certification or notice\nThese are serious violations that result in harm to consumers and directly impact creditworthiness. I am now demanding the following:\n1.\tA reasonable and thorough reinvestigation of the item(s) disputed\n2.\tWritten notice of the specific results of the reinvestigation, as required under 15 U.S.C.  1681i(a)(6)\n3.\tImmediate deletion or correction of any unverifiable, incomplete, or inaccurate information\n4.\tConfirmation that any deleted information will not be reinserted without meeting all requirements under 15 U.S.C.  1681i(a)(5)(B)\nPlease be advised that failure to address this matter adequately may result in a formal complaint to the CFPB, the FTC, and potential legal action to protect my rights under the FCRA and CFPA.\nI expect a written response and resolution within 30 days, per FCRA regulations. Thank you for your prompt attention.\nSincerely,XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief