Consumer complaint received 2026-04-29 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: NY

Complaint narrative:
DENTITY VERIFICATION I AM THE ACCOUNT HOLDER Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Relationship to Accounts : I am XXXX XXXX XXXX the consumer and sole account holder on all accounts listed in this complaint. I am NOT a third party. I am NOT an authorized representative. I am the consumer whose credit file contains these accounts. Capital One 's claim that it 'does not recognize ' me is false and constitutes an improper deflection of a legitimate consumer dispute. NOTICE : CAPITAL ONE 'S PRIOR RESPONSE WAS AN IMPROPER DEFLECTION In response to my initial CFPB complaint, Capital One Bank USA stated it 'does not recognize ' me as a customer or authorized representative and refused to engage with the substance of my complaint. This response is false, improper, and potentially itself a violation of federal law. I am XXXX XXXX XXXX. I am the consumer. The accounts disputed below appear on MY three-bureau credit report dated XX/XX/XXXX under MY name, MY Social Security number, and MY date of birth. Capital One opened these accounts in MY name. Capital One is reporting these accounts on MY credit file. Capital One can not simultaneously report information about me to three credit bureaus and then claim it does not recognize me when I dispute that reporting. That position is legally incoherent and constitutes obstruction of my statutory rights under FCRA 611 and 623. I am resubmitting this complaint with my full identity information above and am attaching a copy of my government-issued ID and proof of address. Capital One has NO basis to refuse engagement. I am demanding the CFPB hold Capital One accountable for its refusal to respond and compel immediate investigation of the violations documented below. RESUBMITTED COMPLAINT CAPITAL ONE BANK USA Capital One Bank USA is reporting three separate accounts on my credit file with systemic, willful violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX data reporting standards. These are not isolated errors the identical violations appear across all three accounts, confirming a pattern of systemic furnisher non-compliance. I am demanding the IMMEDIATE AND COMPLETE DELETION of all three accounts from XXXX XXXX XXXX XXXX ACCOUNT XXXX Capital One Bank USA, ending XXXX ( Opened XX/XX/XXXX, Closed XX/XX/XXXX ) DEMAND : IMMEDIATE DELETION FROM ALL THREE BUREAUS Date of First Delinquency = N/A on XXXX XXXX XXXX XXXX direct violation of FCRA 623 ( a ) ( 5 ). This is a mandatory reporting field. Without it, no bureau can confirm this account is within the 7-year reporting window under FCRA 605 . Account opened XX/XX/XXXX it may already be past its lawful deletion date. Capital One 's own comments state 'PAID CHARGE OFF ' and 'ACCOUNT PAID AND CLOSED " yet the Charge-Off Amount of {$91.00} continues to report on XXXX inaccurate post-payment data that must be corrected to {$0.00}. Status reported as 'Collection Account ' across all three bureaus on an account with a {$0.00} balance that Capital One itself acknowledges is paid and closed inaccurate and misleading. XXXX shows 26 months of 'No Data Available ' in payment history XXXX XXXX requires complete payment history. An account with 26 months of missing data can not be verified. XXXX : XXXX XXXX = XXXX XXXX has ZERO supporting payment data for this tradeline. Under FCRA 611 ( a ) ( 5 ) ( A ), an item that can not be verified MUST be deleted. This is non-negotiable. Capital One 's comment 'ACCOUNT PREVIOUSLY IN DISPUTE - NOW RESOLVED - REPORTED BY SUBSCRIBER ' was added after my prior dispute yet the violations remain. Marking a dispute as 'resolved ' without actually correcting the violations is itself a violation of FCRA 623 ( a ) ( 3 ). ACCOUNT XXXX Capital One Bank USA, ending XXXX ( Opened XX/XX/XXXX, Closed XX/XX/XXXX ) DEMAND : IMMEDIATE DELETION FROM ALL THREE BUREAUS Date of First Delinquency = N/A on ALL THREE BUREAUS FCRA 623 ( a ) ( 5 ) violation. This is the second consecutive Capital One account with this identical violation, confirming systemic non-compliance. Reported Balance of {$330.00} EXCEEDS the Credit Limit of {$300.00} on a closed, charged-off account. A balance can not legitimately exceed the credit limit on a charged-off closed account this is inaccurate data. {$330.00} reported as 'Amount Past Due ' on a charged-off account XXXX XXXX XXXX XXXX violation. Once an account reaches charge-off status, Amount Past Due must reflect {$0.00}. Continuing to report {$330.00} as past due inflates the consumer 's delinquency picture beyond reality. XXXX : Month Reviewed = XXXX and 29 months of 'No Data Available ' completely unverifiable. MUST be deleted under FCRA 611 ( a ) ( 5 ) ( A ). XXXX reports status as 'Over 120 Days Past Due ' ; XXXX XXXX XXXX report 'Collection Account ' three different bureau statuses for the same account. At minimum two bureaus are reporting inaccurate status codes. Purge Date = N/A XXXX can not confirm or enforce the FCRA 605 7-year deletion deadline without this field. ACCOUNT 3 Capital One Bank USA, ending XXXX ( Opened XX/XX/XXXX, Closed XX/XX/XXXX ) DEMAND : IMMEDIATE DELETION FROM ALL THREE BUREAUS Date of First Delinquency = N/A on ALL THREE BUREAUS FCRA 623 ( a ) ( 5 ) violation. Three accounts, three DOFD violations. This is willful systemic non-compliance by Capital One, not coincidence. Reported Balance of {$630.00} EXCEEDS the Credit Limit of {$500.00} on a closed, charged-off account inaccurate. {$630.00} reported as 'Amount Past Due ' on a charged-off account XXXX XXXX XXXX XXXX violation identical to account XXXX. XXXX : Month Reviewed = 0 unverifiable. MUST be deleted under FCRA 611 ( a ) ( 5 ) ( A ). XXXX reports 'Over 120 Days Past Due ' ; XXXX XXXX XXXX report 'Collection Account ' same contradictory cross-bureau status pattern as account XXXX. Purge Date = N/A 7-year deletion window can not be tracked or enforced. PATTERN OF WILLFUL NON-COMPLIANCE BY CAPITAL ONE The CFPB must recognize that the violations above are not isolated data errors. All three Capital One accounts share the exact same FCRA 623 ( a ) ( 5 ) violation missing Date of First Delinquency. All three accounts have XXXX Month Reviewed = 0. All three accounts report Amount Past Due on charged-off balances. This is a systemic furnishing practice that likely affects thousands of Capital One consumers, not just this complainant. The CFPB should investigate Capital One 's furnishing practices system-wide and assess civil monetary penalties under 12 U.S.C. 5565. Furthermore, Capital One 's initial response claiming it does not recognize me as a customer represents an additional violation. Using a false privacy claim to avoid responding to a legitimate consumer dispute is obstruction. The CFPB should document this evasion as part of its investigation

Company response to consumer: Closed with explanation