Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent in documents to the company and the ignore and send me the same stall letter to reporting ongoing false data Formal Complaint and Request for Immediate Correction To : Capital One Bank USA, N.A. 
Address : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, UT XXXX Date : XX/XX/XXXX Subject : False and Contradictory Late Payment Reporting Request for Immediate Deletion and Correction Dear Capital One Compliance Department XXXX This letter serves as a formal complaint and dispute under the Fair Credit Reporting Act ( FCRA ) regarding false and contradictory late payment reporting on my account # XXXX, as shown in the attached credit report. 

The payment grid for this account contains inconsistent and contradictory data. It reports multiple XXXX late notations ( XXXX, XXXX, and XX/XX/XXXX ) while simultaneously showing ontime payments before and after those months and a current status of not more than XXXX payments past due. This inconsistency makes the data factually inaccurate and unverifiable under federal law. 

Violations and Legal Basis FCRA 1681e ( b ) : Requires furnishers to ensure maximum possible accuracy. Contradictory payment data violates this standard.

FCRA 1681i ( a ) : Requires reinvestigation and correction or deletion of disputed information within 30 days.

FCRA 1681s2 ( b ) : Requires furnishers to correct or delete inaccurate or unverifiable information after receiving notice of dispute.

UCC 1304 : Imposes a duty of good faith and fair dealing in all transactions, including credit reporting.

FDCPA 807 ( 8 ) : Prohibits communicating false credit information, including failing to report a debt accurately. 
Supporting Case Law XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : XXXX XXXX must conduct a reasonable investigation when notified of a dispute. 
XXXX v. XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Unverifiable or inaccurate data must be deleted. 
XXXX v. XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Reporting false payment information constitutes a violation of the FCRA. 
Factual Dispute The payment grid contradicts itself by showing both ontime and late payments for the same periods. There is no consistent delinquency pattern, no verified billing record, and no supporting documentation proving any late payment occurred. This makes the reporting unverifiable and misleading. 

Requested Resolution Immediate deletion or correction of all false late payment notations from my credit reports with XXXX XXXX XXXX XXXX.

Written confirmation that my account is in good standing and that all payments are reported as Paid as Agreed / Never Late.

Notification to all credit bureaus to update my file accordingly.

Cessation of any further inaccurate reporting to prevent continued harm to my credit profile.

As a loyal customer who has maintained good faith and consistent payment practices, I request that this matter be resolved promptly. Please provide written confirmation of the corrections within 15 business days of receipt of this letter.

Failure to correct these inaccuracies may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for willful noncompliance under FCRA 1681n. 

Sincerely, XXXX XXXX Attachments : Copy of Credit Report showing contradictory payment grid Screenshot of account summary showing inconsistent reporting

Company response to consumer: Closed with non-monetary relief