Consumer complaint received 2025-07-23 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: NJ

Complaint narrative:
I am writing to formally dispute Capital One for inaccurate and misleading information on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), ecifically 15 U.S. Code 1681i and 1681e ( b ). 
Creditor Name : Capital One Account Number : XXXX Original Charge-Off Date : XX/XX/XXXX This account was charged off in XX/XX/XXXX, yet Capitol One has been reporting the account as " charged off '' repeatedly every month thereafter until XXXX, as if a new charge-off has occurred each month. This is inaccurate and misrepresents the true delinquency history, in violation of the FCRA. 
According to the FCRA : Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] mandates that Experian must follow reasonable procedures to assure maximum possible accuracy of the information it reports. 
Section 605 ( a ) ( 5 ) [ 15 U.S.C. 1681c ( a ) ( 5 ) ] dictates that adverse information, such as a charge-off, must be reported based on the original date of delinquency, not updated monthly as if recurring. 

Repeatedly updating the charge-off status each month is not only inaccurate but also misleading and damaging to my credit profile. The reporting should reflect the initial charge-off date only ( XX/XX/XXXX ), not suggest ongoing derogatory events. 

I request this matter to be immediately investigated, this account and correct the reporting to accurately reflect the true date of charge-off and cease the monthly updates of this status. I would also like this account to be removed from my credit report. I also request written confirmation of the results of your reinvestigation, as required under 15 U.S.C. 1681i ( a ). 

This matter had been investigated several times and my credit report has been changed. The reinvestigation is in correct and not verified because if it was one could see the inaccuracies in my report. 

Capital One has confirmed directly to me that this account was charged off on XX/XX/XXXX. However, my credit report shows the charge-off date as XX/XX/XXXX, nearly XXXX years later ; which is factually incorrect and misrepresents the age of the delinquency. 
Reporting an inaccurate date of first delinquency or charge-off is a violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which requires furnishers of information to provide data that is accurate and complete. This error negatively impacts the length of time this negative account remains on my credit report and unfairly damages my credit standing - Immediately investigate this discrepancy with Capital One. 
- Delete the reported charge-off - Send me a written confirmation of the investigation results and corrections made to my I have attached documentation verifying my identity and supporting evidence of the correct I have disputed this account several times and they have changed the charge off date to XXXX different dates without any real investigation and this illegal act has impacted my credit score negatively by XXXX points. Capital One sent me a letter in the mail stating that the account was closed and charged off in XX/XX/XXXX buy yet are reporting the close and charge off date of XX/XX/XXXX.

Company response to consumer: Closed with explanation