Consumer complaint received 2025-08-02 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: NC

Complaint narrative:
Attached screenshots provide direct visual evidence of multiple tradelines that XXXX  lists as having 0 late payments in the account summary section, while simultaneously displaying derogatory payment history within the detailed tradeline views. These examples are not isolated ALL OF MINE ARE LIKE THIS. They represent a broader pattern of deceptive reporting behavior. Therefore, I demand that ALL tradelinesincluding but not limited to those documented in the attached imagesbe immediately updated to reflect the zero-late-payment status currently shown in the XXXX  summary. Any account with a publicly displayed XXXX late payments indicator must reflect that same status across all data layers. No exceptions. No omissions.

CFPB Complaint Copy & Paste Subject : Deceptive Late Payment Reporting XXXX  Summary vs Tradeline Details I am filing a complaint regarding multiple tradelines on my XXXX  credit report that show 0 late payments in the summary section, while the detailed account history contradicts this by listing late payments some as recent as 30 and 60 days. This is a blatantly deceptive practice and a direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S. Code 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S. Code 1681i Failure to conduct a reasonable reinvestigation CARES Act & Disaster Relief Guidance No accommodations appear to have been considered or reflected in the reporting during declared natural disasters and the COVID-19 pandemic, despite qualifying circumstances.

This misleading summary gives the appearance of a clean history while the detailed data tank my creditworthiness behind the scenes. This practice is deceptive, unfair, and causes harm in credit decisions including denials, higher interest rates, and score suppression.

Additionally, XXXX  has failed to apply consistent logic across all tradelines, including those from Capital One, XXXX, and XXXX XXXX XXXX The same accounts do not show these lates with XXXX  or XXXX, further confirming XXXX data is materially flawed and misleading. 

Requested Resolution : All tradelines that show 0 late payments in the XXXX  summary must be corrected in the detailed tradeline section to match i.e., show 0 late payments in both places. 

Immediate removal or correction of all inaccurate late payment notations. 

Full deletion of any tradeline where the original creditor failed to verify or reported inconsistently across bureaus. 

Full explanation and documentation of the verification process, including adherence to the FCRA and ECOA guidelines.

I am attaching screenshots for visual evidence showing the deceptive clean summary while the backend tradelines reflect late payments. 

XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX SSN ( XXXX ) : XXXX XXXX : XX/XX/XXXX Date : XXXX TO : Capital One Auto Finance XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) RE : FORMAL DISPUTE DEMAND FOR CORRECTION OR DELETION Account : Capital One Auto Finance Original Balance : {$34000.00} | Opened : XX/XX/XXXX | Status : Closed | Responsibility : Joint To Whom It May Concern, This is a formal dispute and legal demand for immediate correction or deletion of the above-referenced Capital One Auto Finance tradeline . After reviewing the reporting across XXXX XXXX XXXX XXXX  I have identified clear, conflicting data and violations of the Fair Credit Reporting Act ( FCRA ) and North Carolina state law.

1. INCONSISTENT LATE PAYMENT REPORTING - XXXX  reports 5 late payments, but XXXX  's payment grid shows XXXX delinquencies in XXXX, XXXX, XXXX, and XXXX that are not accounted for accurately or consistently. 
- XXXX  reports 5 late payments all 30 days, while XXXX  shows months marked 60 without month alignment or resolution.

- These differences violate FCRA 623 ( a ) ( 1 ) ( A ), which mandates furnishers provide consistent and accurate information to all CRAs.

2. DATA CONTRADICTIONS AMONG BUREAUS - XXXX  and XXXX  list the account as Paid, Closed, yet XXXX  omits balance update information.

- XXXX  reports a resolved dispute, but no confirmation or proof of any reinvestigation was ever provided.

- XXXX also falsely marks Dispute resolved ; reported by grantor, a direct breach of FCRA 1681i if no documented evidence exists.

3. FAILURE TO PROVIDE METHOD OF VERIFICATION ( MOV ) - Under FCRA 611 ( a ) ( 7 ), I am demanding full MOV including : The individual or department who verified the account All documents used in the verification process The exact date and method of the reinvestigation 4. PATTERN OF AUTOMATED RESPONSES ( e-OSCAR ABUSE ) - This tradeline was clearly run through e-OSCAR, as demonstrated by the dispute resolved language and lack of supporting documentation. This violates FCRA 1681i ( a ) ( 1 ) ( A ) requiring a reasonable investigation.

- See Cushman v. XXXX, 115 F.3d 220 ( 3d Cir. 1997 ) : A superficial, automated process is not a legal reinvestigation.

5. VIOLATION OF NORTH CAROLINA STATE LAW - Under NC G.S. 75-1.1 and 75-63, reporting false, inaccurate, or inconsistent consumer credit data constitutes deceptive practice and is grounds for civil relief.

DEMAND FOR ACTION I am demanding : 1. Immediate correction of any misreported late payment history OR full deletion of this tradeline.

2. Full MOV documentation within 30 days.

If no action is taken within 30 days of receipt, I will : - Submit a formal complaint to the CFPB with supporting documentation - File complaints with the North Carolina Department of Justice and the FTC - Seek damages under FCRA 1681n and 1681o and NC law This is your legal notice. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX XXXX ( last XXXX ) : XXXX

Company response to consumer: Closed with explanation