Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
This communication serves as a corrected and expanded formal demand under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards regarding numerous inaccurate, unverifiable, and non-compliant tradelines being reported on my XXXX XXXX XXXX XXXX consumer credit files. 

The previous complaint I submitted included incorrect XXXX XXXX account numbers due to formatting issues in my credit report. Please consider this the official and corrected dispute with all verified and accurate information presented below. The continued presence of these false and duplicate entries has caused me significant financial harm, reputational damage, and emotional distress. If these violations are not corrected and permanently deleted within 15 calendar days, I will pursue civil claims under FCRA 616 and 617, along with all applicable legal remedies. 

DUPLICATE & CONFLICTING XXXX XXXX ACCOUNTS Multiple XXXX XXXX tradelines are being reported using the same account number prefix ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX ), yet the balances, dates opened, and statuses conflict across bureaus : A XXXX account opened XX/XX/XXXX, shows a balance of {$2700.00}, status closed and paid, on XXXX 

The same account number appears on XXXX opened XX/XX/XXXX, also with a {$2700.00} balance and paid status. 

Another tradeline with the same number is shown opened XX/XX/XXXX, on XXXX with a {$2300.00} balance and marked 30 days late. 

XXXX reports the same {$2300.00} balance, opened XX/XX/XXXX, but shows it as paid. 

A third variation is reported with a balance of {$15000.00}, opened XX/XX/XXXX, and marked refinanced on XXXX. 

XXXX again lists the same account number opened XX/XX/XXXX, with a {$15000.00} balance and also marked refinanced. 

Another entry shows the account opened XX/XX/XXXX, with a balance of {$12000.00} and status closed current on XXXX 

XXXX lists it as opened XX/XX/XXXX, with the same balance but again reported as a separate closed account. 

These discrepancies violate FCRA 623 ( a ) ( 1 ) for furnishing inaccurate information, FCRA 611 ( a ) for failing to reinvestigate, and Metro 2 guidelines for allowing duplicate tradelines with inconsistent statuses and missing dispute flags. This is clear evidence of duplicate reporting under the same account number across multiple dates and statuses. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  ( Auto Loan ) * * This charged-off auto loan is being reported to both XXXX and Experian, but is missing entirely from Equifax. The account is listed as opened on XX/XX/XXXX, by TransUnion, and XX/XX/XXXX, by XXXX yet both report the exact same account number and loan terms. This inconsistency in the date of origination is a direct violation of XXXX XXXX reporting standards and FCRA 623 ( a ) ( 1 ), which mandates accurate and uniform data furnishing across bureaus. 

The account was closed and charged off on XX/XX/XXXX, with a reported balance of {$21000.00}. Despite this, both bureaus continue to show a past due amount of {$21000.00}, even though the account is already marked as charged off. This is impermissible under XXXX XXXX, which clearly states that once an account is charged off, no ongoing delinquency or past due amount should be reported unless the consumer has resumed payments which has not occurred here. 

Furthermore, neither bureau accurately reflects the dispute history. Experian includes language indicating a dispute ( subscriber reports dispute resolved consumer disagrees ), yet fails to apply the required XXXX XXXX dispute code ( XB ), and TransUnion falsely states account not disputed despite the same derogatory tradeline being under dispute. This constitutes violations under FCRA XXXX ( a ) and XXXX ( a ) ( XXXX ) for misrepresenting or omitting dispute notations. 

Additionally, both bureaus report a {$0.00} credit limit on a high-balance installment auto loan. This is materially misleading. A {$21000.00} auto loan should reflect either the original amount financed or a structured term limit not zero. This erroneous limit inflates my utilization ratios and impairs my creditworthiness, in violation of XXXX XXXX formatting rules and FCRA 623 ( a ). 

Lastly, the complete absence of this account from XXXX may indicate selective furnishing, data suppression, or inconsistent transmission all of which violate FCRA 1681e ( b ) and undermine the integrity of my consumer file. 

Violations Identified : FCRA 623 ( a ) ( 1 ) : Conflicting opening dates and false credit limit reporting FCRA 611 ( a ) : Inconsistent dispute response and reinvestigation failure FCRA 623 ( a ) ( 3 ) : Dispute flag not applied FCRA 1681e ( b ) : Failure to furnish complete and accurate data to all bureaus XXXX XXXX Violations : Duplicate account number with inconsistent open dates Charge-off status paired with active past due balance Improper credit limit reporting Missing dispute code No Equifax reporting XXXX NEGATIVE ACCOUNTS : XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Limit : {$250.00} ( secured card ) Reported High Balance : {$430.00} impossible on a {$250.00} secured line Past Due Amount : {$180.00} on a closed, charged-off account No 1099-C issued, no payment since XXXX Violations : XXXX XXXX : Conflicting high balance and charge-off coding on a closed secured account FCRA 609 ( a ) ( 1 ) : No supporting charge-off documentation FCRA 623 ( a ) : Knowingly reporting unverifiable, mathematically impossible data XXXX. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This collection account is reported on all three bureaus XXXX XXXX and XXXX  with multiple conflicting data points, inaccurate classifications, and unresolved dispute flags. The errors are detailed below : 1. Conflicting Account Status Across Bureaus XXXX : Status is Closed XXXX : Status is Closed XXXX : Status is Open This inconsistency directly contradicts XXXX XXXX standards. A collection account can not be both open and closed simultaneously across credit bureaus. 

Violation : FCRA 623 ( a ) ( 1 ) : Inconsistent, inaccurate information being furnished XXXX XXXX Compliance : Status codes must match if the same account is being reported to multiple bureaus 2. Contradictory Dispute Flags XXXX : Account not disputed XXXX  : Account not disputed XXXX : Account disputed Consumer disputes this account information If I have disputed this account with any one bureau, all furnishers are required to investigate and ensure that dispute notations are consistent across all bureaus. Failing to do so violates the consumers rights under FCRA.

Violation : FCRA 611 ( a ) : Inconsistent handling and failure to report dispute resolution uniformly XXXX XXXX : Dispute flags must be present and consistent across all systems 3. Inconsistent Creditor Remarks XXXX : Collection account information disputed by consumer, meets FCRA requirements Experian : Customer disputed account reported by subscriber. Account seriously past due ; assigned to collection agency or internal recovery. 

XXXX  : Consumer disputes this account information. XXXXollection account. 

Each CRA presents a different narrative, despite reporting the same account and balance. XXXX XXXX mandates that commentary and dispute remarks must be standardized to prevent misleading or confusing entries. 

Violation : FCRA 1681e ( b ) : Failure to ensure maximum accuracy of data XXXX XXXX Compliance : Mismatched commentary and remarks across furnishers 4. Inaccurate Payment Status Reporting XXXX & XXXX : Listed as " Collection/Chargeoff '' XXXX : Listed as " Late 120 Days '' A collection account can not simultaneously be labeled late 120 days. Once an account is in collections, it is charged off and closed, and should not carry an active delinquency aging status such as late 120. 

Violation : XXXX XXXX Violation : Improper account aging and status coding FCRA 623 ( a ) ( 1 ) : Inconsistent and inaccurate representation of account status 5. Identity Misassociation via Address History This account is also linked to XXXX XXXX XXXX, XXXX GA, an address you have never resided at, as confirmed in your prior disputes. This points to potential identity theft or mixed file contamination. 

Violation : FCRA 605B : Consumer identity mismatch or identity theft-related entry FCRA 1681e ( b ) : Failure to match consumer identity with sufficient accuracy Summary of Violations : FCRA 623 ( a ) ( 1 ) : Reporting materially inconsistent, unverifiable account data FCRA 611 ( a ) : Failure to update and reflect dispute status across all bureaus FCRA 605B : Reporting data tied to a fraudulent or incorrect address FCRA 1681e ( b ) : Failure to maintain accurate and complete file XXXX XXXX Compliance Breaches : Improper status codes, open/closed mismatch, missing dispute flags, misclassified aging statuses {$7200.00} balance with zero payment activity Tradeline classification varies per bureau Violations : FCRA 605B : Identity theft component address not linked to me XXXX XXXX : Discrepant open/closed statuses and activity dates FCRA 1681e ( b ) : Failure to ensure accuracy and proper identity linkage 3. XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being inaccurately reported by both TransUnion and Experian, with Equifax failing to report the account at all. The following issues constitute serious violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards : False Late Payments on {$0.00} Balance : TransUnion reports a 30-day late payment in XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX, despite the account showing a {$0.00} balance, no past due amount, and a final payment made on XX/XX/XXXX. The account was closed on XX/XX/XXXX. Reporting delinquencies on an account that was current, paid, and not past due is factually incorrect and damaging. 

Inconsistent Dispute Resolution Status : XXXX notes : Dispute resolved ; reported by grantor. 
XXXX notes : Account was in dispute now resolved reported by subscriber. 
XXXX reports nothing at all, not even the existence of the account. This failure to maintain consistent post-dispute notations is a clear violation of FCRA 611 ( a ).

Missing Reporting on XXXX  : The account is completely missing from XXXX which raises concerns about selective furnishing, data suppression, or compliance issues with reporting obligations. All credit reporting agencies must furnish complete and uniform data, and this omission directly undermines the integrity of my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX : The reported high balance is {$270.00}, while the credit limit is only {$220.00}. No explanation or over-limit authorization coding is present. This may reflect a XXXX XXXX formatting error or unauthorized over-limit reporting, which inflates utilization ratios and causes unnecessary credit score damage.

Violations Committed : FCRA 623 ( a ) ( 1 ) : Furnishing knowingly inaccurate or unverifiable information FCRA 611 ( a ) : Failure to consistently report dispute results across all CRAs FCRA 1681e ( b ) : Incomplete and inconsistent reporting across bureaus FCRA 609 ( a ) ( 1 ) : No documentation supporting over-limit balance has been provided XXXX XXXX Guidelines Violated : Improper status codes, unresolved dispute flags, and high balance inconsistencies Violations : FCRA 604 ( a ) ( 3 ) : No authorization or legitimate credit transaction FCRA 609 ( a ) : Failure to disclose inquiry basis FCRA XXXX : Willful/negligent access with no consumer consent XXXX Account # XXXX ( Secured Loan ) This account is reported by both XXXX  and XXXX and is missing entirely from XXXX It is listed as a secured loan with a high balance of {$720.00}, and a final payment made on XX/XX/XXXX. However, multiple reporting inconsistencies and XXXX 2/FCRA violations are present across the bureaus. 

The TransUnion tradeline states that the account was opened on XX/XX/XXXX, while Experian reports the opening date as XX/XX/XXXX. Although a small variance, XXXX XXXX compliance standards require uniformity across all CRAs. There is no valid reason for conflicting origination dates on a closed installment loan. 

The account was closed on XX/XX/XXXX, with a {$0.00} balance and no past due amount, yet XXXX falsely reports a 30 days late payment status. XXXX correctly shows the status as Current and does not report any delinquencies. Reporting a 30-day late on a {$0.00} balance account with no past due amount is both factually impossible and materially misleading. It causes undue harm to the consumer 's payment history and credit score. 

No documentation of a late payment has been provided, and the final payment date listed on both bureaus ( XX/XX/XXXX ) shows the account was in good standing at the time of closure. This clearly indicates either a data error or wrongful derogatory coding on XXXX part. 

Furthermore, XXXX has no record of this account, despite it being a closed, paid loan which may reflect selective furnishing or failure to report uniformly. All tradelines should be consistently reported across all bureaus unless the consumer has opted out or the data has been suppressed post-dispute. 

Violations Committed : FCRA 623 ( a ) ( 1 ) : Reporting inaccurate and unverifiable payment history FCRA 1681e ( b ) : Failure to ensure maximum accuracy of information across CRAs FCRA 611 ( a ) : Failure to update or correct false information post-dispute XXXX XXXX Violations : Conflicting open dates between bureaus Improper late payment status on a paid {$0.00} balance account Missing reporting entirely on Equifax : UNAUTHORIZED HARD INQUIRIES ( NO PERMISSIBLE PURPOSE ) The following XXXX hard inquiries were reported on my TransUnion file, yet I have no associated applications, approvals, or open tradelines with these entities : Company Date Bureau XXXX XXXXXXXX XX/XX/XXXX NEIGHBORS BA XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SYNCB/SAMS XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  None of these inquiries resulted in a loan or credit approval. I did not authorize these parties to access my consumer file. They have materially damaged my score. Violations : FCRA 604 ( a ) Lack of permissible purpose for access FCRA 609 ( a ) ( 1 ) Failure to provide documentation upon request FCRA 616 & 617 Willful and negligent access causing harm XXXX XXXX : Lack of matching tradelines tied to inquiry originators

Company response to consumer: Closed with explanation