Consumer complaint received 2024-12-10 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: WA

Complaint narrative:
I am formally disputing the above-referenced Capital One accounts as reported on my credit reports. Despite submitting multiple disputes and requests for validation over the past several months, Capital One has failed to validate these debts within the legally mandated XXXX timeframe. Furthermore, there are multiple errors and inconsistencies in the way these accounts are reported across the credit bureaus. These inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) warrant the immediate deletion of these accounts. 

Errors Identified XXXX. Capital One Account Number : XXXX Inconsistent Reporting of Payment Status : Reported as Collection/Chargeoff while showing a {$0.00} balance. 
Error : A {$0.00} balance indicates the debt has been paid or settled ; therefore, it should not be reported as a collection or charge-off. 
Violation : FCRA XXXX ( b ) Failure to ensure maximum possible accuracy. 
Illogical Reporting Dates : Start Date is reported as XX/XX/XXXX, which is a future date. 
Error : Reporting a future date is factually impossible and misleading. 
Violation : FCRA XXXX ( b ) Inaccurate reporting of dates. 
Conflicting Information on Last Activity and Payment : XXXX : Last Activity XX/XX/XXXX XXXX : Last Activity XX/XX/XXXX XXXX : Last Activity XX/XX/XXXX Error : These discrepancies in last activity dates indicate inaccurate reporting. 
Violation : FCRA XXXX ( b ) Inaccurate and inconsistent reporting. 
Incorrect High Balance Reporting : XXXX : High Balance {$450.00} XXXX : High Balance {$0.00} XXXX : High Balance {$450.00} Error : The high balance should be consistently reported across all bureaus. 
Violation : FCRA XXXX ( b ) Failure to report accurate information. 
XXXX. Capital One Account Number : XXXX Account Status Discrepancies : XXXX : Account Status Deleted XXXX : Account Status In Dispute XXXX : Account Status Open Error : These inconsistencies in account status suggest inaccurate reporting. 
Violation : FCRA XXXX ( b ) Failure to ensure accuracy. 
Inconsistent Past Due Amounts : XXXX : Past Due {$1600.00} XXXX and XXXX : Varying reporting on past due amounts and collection statuses. 
Error : Reporting discrepancies in past due amounts misrepresent my financial standing. 
Violation : FCRA XXXX ( a ) ( XXXX ) Furnishing misleading or inaccurate information. 
XXXX XXXX Dates : Start Date : XX/XX/XXXX Error : Reporting a future start date is inaccurate and misleading. 
Violation : FCRA XXXX ( b ) Inaccurate reporting of account details. 
Failure to Validate the Debt : Despite multiple dispute attempts, Capital One has not provided any documentation validating this debt. 
Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) Creditors must verify disputed information within 30 days. 
Specific FCRA Violations Failure to Investigate and Verify Disputed Information Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) Creditors must verify disputed information within 30 days. Capital One has failed to do so. 
Failure to Delete Unverified Information Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) If information can not be verified within 30 days, it must be deleted. 
Failure to Ensure Maximum Possible Accuracy Violation : FCRA XXXX ( b ) The reporting errors and discrepancies violate the requirement to ensure accurate reporting. 
Misleading and Conflicting Reporting Violation : FCRA XXXX ( a ) ( XXXX ) Furnishing false or misleading information to credit reporting agencies.

Company response to consumer: Closed with explanation