Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
SECTION 1 : HIGH-IMPACT ERRORS & DISPUTES ( Most Important ) 1. Cap One Auto ( Closed ) Reported as Repossession ( Account # XXXX ) Potential Errors : Reported simply as Repossession even though you stated it was a voluntary repossession, communicated by phone. 

No payment history displayed ( shows blank ), even though payments occurred. 

Past due amount of {$460.00} is not clearly supported. 

Unknown payment history incomplete reporting.

Reporting may violate accuracy requirements if lender can not verify dates, past dues, and the involuntary vs voluntary status.

Why this is dispute-eligible : FCRA 1681e ( b ) : Information must be reported with maximum possible accuracy.

Maryland MCDCA 14-202 ( 3 ) : Can not disclose credit information known to be false or misleading.

Maryland MCPA 13-301 : Misrepresenting the nature of a debt is a deceptive practice.

Missing payment history = incomplete = inaccurate.

This is your largest negative item and should be the first dispute. 

SECTION 2 : REVOLVING ACCOUNTS WITH ERRORS 2. XXXX Credit Card Reported as 60 Days Past Due ( Account # XXXX ) Potential Errors : Account opened XX/XX/XXXX Reports 30-day late entries in XXXX, XXXX, and XXXX, yet the last payment date is XX/XX/XXXX timeline is questionable. 

60 days past due status may not match reported late pattern. 

Credit usage reported at 149 %, yet balance is {$440.00} on a {$300.00} limit should be 149 %, but accuracy depends on dates. 

Why dispute-eligible : Late payments must be verifiable, not estimated. 

If the creditor can not show the exact due date + posting date the lates must be removed.

FCRA 1681i : unverifiable = must be deleted.

SECTION 3 : CHARGEOFFS WITH POTENTIAL REPORTING ISSUES 3. Capital One ( Closed Charged Off ) Account # XXXX Potential Errors : No payment history displayed missing data. 

Canceled by credit grantor + Charged off as bad debt is double reporting of a derogatory status. 

Last payment date : XX/XX/XXXX unusually recent relative to charge-off date. 

Why dispute-eligible : Incomplete payment history = inaccurate. 

Duplicate derogatory descriptors violate FCRA accuracy requirements. 

XXXX. XXXX ( Closed Charged Off ) Account # CLXXXX Potential Errors : No payment history displayed.

Creditor reports Profit & loss writeoff but balance is only {$65.00}. 

Last payment XX/XX/XXXX, charge-off XX/XX/XXXX timeline often inaccurate. 

Dispute grounds : Missing payment history = incomplete = inaccurate. 

Small-dollar charge-offs must be verified ; often they can not be validated.

SECTION 4 : COLLECTION ACCOUNTS TO CHALLENGE 5. XXXX XXXX XXXX XXXX {$480.00} Potential Errors : XXXX routinely fails to validate debts. 

No proof provided that account belongs to you. 

No service dates, contract dates, or proof of responsibility.

Collection balance not showing itemized fees.

Why dispute-eligible : FCRA & FDCPA require validation upon request. 

Missing contract = must be deleted if disputed. 

XXXX. XXXX XXXX # XXXX {$450.00} ( XXXX XXXX ) XXXX. XXXX XXXX  # XXXX {$650.00} ( XXXX  XXXX ) Potential Errors for Both : XXXX rarely provides supporting documentation. 

No payment history. 

No proof you agreed to assignment of debt. 

No itemization of interest or fees.

Balance may be inflated.

Dispute grounds : Incomplete and unverifiable information.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits reporting unverifiable data.

Maryland MCDCA prohibits collection on a debt that is invalid or unverified.

SECTION 5 : OLD NEGATIVE ITEMS 8. XXXX  120 Days Late Opened XXXX Potential Errors : Reports as 120 days past due, but balance is {$0.00} and no payment history is present. 

Status updated XX/XX/XXXX more than XXXX XXXX XXXX. 

XXXX be outside the XXXX reporting window for late payments ( depends on exact DOFD ). 

Why dispute-eligible : Incomplete inaccurate. 

If DOFD ( Date of First Delinquency ) is before XX/XX/XXXX, it must be removed under FCRA 7-year rule.

SECTION 6 : OPEN AUTO LOAN WITH POSSIBLE INCONSISTENCY 9. Cap One Auto ( Open ) Account # XXXX This account looks positive, but there is a potential inconsistency : Potential Error : Payment history displays partial or missing months. 

Exceptional payment history but missing first 23 months ( data unavailable ).

Why this matters : Missing data reduces your score and may be counted as " insufficient history. '' Dispute grounds : Incomplete reporting violates FCRA accuracy rules. 

Lender must report complete history or update it.

Company response to consumer: Closed with explanation