Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
I am filing a complaint regarding Capital Ones inaccurate, inconsistent, and unverifiable reporting across all three nationwide credit reporting agencies : XXXX XXXX XXXX XXXX. The same incorrect information appears on all three bureaus, and Capital One has failed to properly investigate or correct the errors. These issues violate multiple sections of the Fair Credit Reporting Act ( FCRA ), and I am requesting full intervention from the CFPB. 

CAPITAL ONE FURNISHER ADDRESS : Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS INCLUDED IN THIS COMPLAINT : XXXX. Capital One Account : XXXX XXXX. Capital One Account : XXXX XXXX. Capital One Account : XXXX THESE ERRORS APPEAR ON : XXXX XXXX XXXX All three agencies are showing the same or similar inaccurate data that originates from Capital One. 

ISSUES WITH CAPITAL ONE REPORTING : XXXX. Incorrect and Contradictory Late Payment Reporting All three Capital One accounts contain late payments that conflict with the payment history appearing directly in the bureaus data tables. Some months show the account as Current while others list XXXX or XXXX  days late for the same dates. This violates FCRA Section 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information that is known or should be known to be inaccurate. 
XXXX. Conflicting and Illogical Balance History Data Across all three bureaus, the Capital One accounts show mismatched balances, balances increasing with no activity, balances decreasing without payments, and payments showing as XXXX even when balances change. Some months show updates occurring before the recorded payment date. This violates FCRA Section 607 ( b ), which requires maximum possible accuracy.

3. Appearance of Invalid date in the Account Comments Multiple Capital One accounts contain the phrase Invalid date in the comments section. This appears across bureaus and indicates corrupted data. This violates FCRA Sections 607 ( b ) and 623 ( a ) ( 2 ), as it is incomplete and unreliable information. 
XXXX. Repeated Account previously in dispute investigation complete Comments The accounts show repeated dispute notations even when no dispute is currently open. This suggests incomplete or improperly updated investigations, violating FCRA Section 623 ( b ), which requires furnishers to conduct proper reinvestigations and update the bureaus accurately. 
XXXX. Failure to Accurately Report Monthly Payment Amounts XXXX all three credit bureaus, several monthly payment amounts are listed as XXXX even when balances change or charges were posted. Required payment amounts and actual payment activity do not align. This indicates incomplete or incorrect reporting and violates FCRA XXXX XXXX ( b ). 
XXXX. Inconsistent Reporting of Credit Limit and High Balance Capital Ones reporting of credit limits and high balances changes inconsistently across the XXXX bureaus. This contradicts the account history and violates FCRA Section 623 ( a ).

I request that the CFPB require Capital One to : Conduct a full and lawful reinvestigation of all three accounts pursuant to FCRA Section 623 ( b ). 
Correct or delete all inaccurate late payment data. 
Remove all corrupted data such as Invalid date. 
Correct all inconsistent balance histories. 
Remove improper or outdated dispute comments. 
Provide verification through original records, not automated system responses. 
Update all three credit reporting agencies ( XXXX XXXX XXXX ) with corrected information. 
Delete any information that can not be verified using original documentation, as required under FCRA Sections 607 ( b ) and 611 ( a ). 

MY INFORMATION : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX  Report Number : XXXX XXXX  and XXXX  XXXX contain XXXX errors originating from Capital One. 
XXXX  Report Date : XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation